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FHA Jumbo Mortgage Loans


FHA is required by the National Housing Act, to set Single Family forward loan limits at 115% of median house prices, subject to a floor and a ceiling on the limits. FHA calculates forward mortgage limits by Metropolitan Statistical Area and county.  Many metropolitan area’s have significantly higher “average” priced home and in these areas, the FHA loan limit is adjusted accordingly.

FHA increased loan limits for 3,011 counties for 2018.  This is a

In high-cost areas, the FHA’s loan limit ceiling will increase to $679,650, up from $636,150 this year.  Their are only two area’s that have an FHA Jumbo Loan limit higher that $679,650 and both are in Hawaii.

“Special exception” areas are places that have higher construction costs. These areas include Alaska, Hawaii, Guam, and the Virgin Islands. In 2018, these four special-exception areas have a higher FHA loan limit ceiling of $1,019,475 for a 1 unit home.