FHA Single-Family Loan Limits October 1 - December 31, 2011

On October 1, 2011, HUD will implement FHA loan-limit authorities established in the Housing and Economic Recovery Act of 2008 (HERA), which are codified at 12 USC 1709. Since January 2009, FHA loan-limits have been subject to temporary legislation requiring HUD to use the higher of limits calculated under HERA, and those established for 2008 under the Economic Stimulus Act of 2008. The switch to full HERA implementation at this time will have significant effects on so-called high-cost areas, where loan limits are above the national floor ($271,050). There is no effect for counties where the loan limit is now at the national floor amount.

Analysis of the Impact of Reduced Loan Limits on FHA Insurance Activity  Report (PDF), Data (Excel)

High Cost FHA Loan Limits  (Excel)

U.S. Department of Housing and Urban Development, Office of Housing / Risk Management and Regulatory Affairs / Evaluation