2025 FHA Loan Limits: How High Can You Go?

The FHA loan limits vary by county, so you’ll want to check the specifics for your area. Even within the same state, limits can range widely. The updated 2025 FHA loan limits mean you can borrow more without needing to scrape together a 5%-20% down payment. Instead, you can get in the door with as little as 3.5%. Now that’s a deal.

Mortgage trends this year are shaping up to be a wild mix of the expected, the hopeful, and the “why is this happening?” Whether you’re buying your first home, refinancing, or just mortgage-curious, staying informed is your best bet. Here’s what you can expect.