FHA 203K Loan Limits: Easily Find the Maximum Amount
Is there a maximum loan amount for FHA 203(k) loans?
The maximum FHA 203(k) loan amount is based on two key factors. First, the maximum rehabilitation portion depends on whether it’s a Limited 203k (capped at $75,000) or a Standard 203k (for more extensive renovations & larger budgets). Second, the total loan amount, including the rehab costs, must not exceed the FHA loan limit for the county where the property is located. These county limits vary based on local housing market conditions.
FHA 203k Loan Limit Finder
Quickly check the 2025 FHA 203k loan limits for your county and property size. This easy tool shows HUD-approved limits for both purchases and refinances — just enter your county and state to get started.
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1. 203(k) Rehab Loan Limits
The FHA 203(k) loan is a specific type of loan designed for borrowers who wish to purchase and rehabilitate a property. This loan combines the mortgage for buying the home and the funds needed for repairs and renovations into a single loan. There are two key aspects related to limits for the 203(k) loan:
- Standard 203(k) Loan: This option is intended for more extensive renovation projects. The maximum loan amount for a standard 203(k) loan is subject to the FHA loan limits for the county where the property is located. The total loan amount must fall within these limits, which means the sum of the purchase price and the estimated cost of repairs and renovations cannot exceed the FHA county limit.
- Limited 203(k) Loan: Formerly known as the Streamline 203(k) loan, this option is for less extensive repairs and improvements, with a maximum rehabilitation amount of $75,000. Like the standard 203(k), the combined total of the purchase price and rehab costs must remain within the county's FHA loan limits.
- These 203(k) loan limits ensure that you have access to sufficient funds for both purchasing and renovating homes, while still adhering to the overall county limits established by the FHA.
2. Maximum FHA County Limits
The maximum county limits refer to the highest loan amount that can be borrowed for a property located within a specific county, based on the median home prices in that area. These limits are set annually by the Department of Housing and Urban Development (HUD) and vary significantly depending on the cost of housing in different regions. There are typically two main limits within this category:
- Low-Cost Areas: In areas where housing costs are relatively low, the FHA sets a lower loan limit. This is often referred to as the "floor" limit.
- High-Cost Areas: In regions where housing costs are higher, such as major metropolitan areas, the FHA establishes a higher loan limit. This is known as the "ceiling" limit.
These limits ensure that FHA loans remain accessible and practical for borrowers across different housing markets, from rural areas to expensive urban centers.
How To Find The Max Loan Amount On FHA 203K & FHA Loans
Whether you're considering a 203k rehabilitation loan or a regular FHA 203B loan, the FHA 203K Loan Limit Finder tool helps you quickly find the maximum loan limits for a specific area. Simply enter the location of your property, and the tool will instantly provide you with the current FHA loan limits for 1-to-4-unit properties in that county.
But that’s not all! Along with the loan limits, the lookup tool also connects you with a renovation specialist. Get personalized assistance and expert advice from a professional who knows the ins and outs of the FHA 203K loan process. From answering your questions to guiding you through the application process, your renovation specialist will help you every step of the way.
Start your property renovation with confidence. Try the FHA 203K Loan Limit Finder and see if your property falls below the maximum amount that can be financed with an FHA Loan.
FHA 203K Loan Limit Finder
FIND FHA 203K LOAN LIMITS FOR YOUR COUNTY
Just enter your County & State to find your loan limits
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FHA 203(k) Loan Limits by County – 2025 FAQ
If you’re trying to understand how FHA 203(k) loan limits work in 2025 or how they vary by county, this quick FAQ will help. You’ll learn how these limits are set, how they affect your renovation budget, and how to use our Loan Limits Finder tool to check the current FHA 203(k) loan limits for your area before applying.
FHA 203K Loan Limits Questions Answered
A. The loan limits for an FHA 203(k) loan depends on your county and the type of 203(k) you’re using, either the Limited version (with a cap on rehab costs) or the Standard version (for larger renovations).
For the Limited 203(k) the maximum rehab portion is capped at $75,000. For the Standard 203(k) the total loan amount (purchase + repairs) must not exceed the FHA county loan limit for your area. These limits vary based on local housing costs.
A. To find the FHA 203(k) loan limits for your county just use the Loan Limit Finder tool, select your state and county, and you’ll get the current limits for both 1-unit and multi-unit properties.
Since these limits are set annually by the U.S. Department of Housing and Urban Development (HUD) based on local median home prices, it’s important to use up-to-date data so you know you’re within the allowable loan amount.
A. The difference between the Limited and Standard FHA 203(k) loans is in the size and scope of the rehab and how that affects the limit.
The Limited 203(k) is for smaller repair jobs (under $75,000 in rehab) and still must fall under the county’s FHA limit when purchase + rehab are added. The Standard 203(k) allows a larger rehab budget but the total must still be within your county’s FHA loan limit.
A. Yes, for a FHA 203(k) loan the FHA county limit includes both the purchase price of the home and the cost of the renovations combined.
That means if you buy a home for $200,000 and add $50,000 in repairs & related costs, your total loan of $250,000 must be below the FHA limit for your county for that property type.
A. If your total purchase price plus rehab cost exceeds your county’s FHA limit, you’ll need to either reduce the purchase price or rehab budget or make up the difference with additional funds for a larger down payment.
A. Yes. The loan limits for a FHA 203(k) loan vary depending on whether the property is a one-unit, two-unit, three-unit or four-unit home.
When you use the Loan Limit Finder tool, you’ll see the allowable borrowing amount for each property size in your county (from one through four units). Make sure you check the correct unit-type that applies to your property so you stay within the limit.
A. Yes, you can use an FHA 203(k) loan in a high-cost areas. HUD sets higher limits for high-cost areas and the Loan Limit Finder tool, will show you what those are.
A. Yes, the same FHA 203(k) loan limits apply when you refinance your home through the 203(k) program.
When refinancing, the new loan amount (your existing balance plus the renovation funds) must still stay within your county’s FHA loan limit. The Loan Limits Finder tool shows the same limit whether you’re buying or refinancing, so you can easily check before applying.
Good information to have because this question comes up often. Thanks for the helpful link.
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