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FHA loan limits for 2026 are higher, and your maximum FHA loan amount depends on your county and number of units. Full guide: https://delawaremortgageloans.net/fha-loan-limits-2026/ Book a free call with John: https://schedule.johnthomasteam.com/30min Before you start shopping for a home with an FHA loan, you need to know one number: your 2026 FHA loan limit for your county. If the home price pushes your loan amount above that limit, the deal may not work unless you bring more money down. In this video, John Thomas explains what FHA loan limits are, why they change every year, and how they are tied to the conforming loan limit set by the FHFA for Fannie Mae and Freddie Mac. For 2026 the conforming baseline for a one-unit home is $832,750 and the high-cost limit is $1,249,125. FHA uses a floor and ceiling system: the floor is set at 65% of the conforming baseline and the ceiling at 150%, with county limits falling in between based on local home prices. For a one-unit home in 2026, the FHA floor is $541,287 and the high-cost ceiling is $1,249,125, with higher limits for two-, three-, and four-unit properties. John explains special exception areas, how 2026 compares to 2025, and how loan limits translate into home price with the 3.5% minimum down payment for credit scores of 580 or higher. He also reminds buyers that FHA credit, debt-to-income, and property standards still apply, and shows how to look up your exact county limit with HUD's official FHA mortgage limits tool. What you'll learn: - What FHA loan limits are and why they change each year - The FHA floor vs. ceiling - 2026 FHA loan limits for 1 to 4 unit properties - How loan limits translate to home price with 3.5% down - How to look up your county limit on HUD's site QUICK ANSWERS What is the FHA loan limit for 2026? For a one-unit home, it ranges from a $541,287 floor to a $1,249,125 high-cost ceiling, depending on your county. Is the FHA loan limit the same as the maximum home price? No. It is the maximum loan amount. You can buy a home priced above the limit if your down payment keeps the loan within it. How do I find my county's FHA loan limit? Use HUD's FHA mortgage limits lookup tool: select your state and county and confirm the year is set to 2026. CHAPTERS 0:00 Know Your 2026 FHA Loan Limit Before House Hunting 0:12 Why FHA Loan Limits Matter 0:37 What Are FHA Loan Limits? 1:11 Why Do FHA Loan Limits Change Each Year? 1:25 2026 Conforming Loan Limits (Baseline and High-Cost) 1:42 FHA Floor vs. Ceiling Explained 2:12 2026 FHA Loan Limits for 1 to 4 Unit Properties 3:09 Special Exception Areas (Alaska, Hawaii, Guam, USVI) 3:32 What Changed from 2025 to 2026? 4:06 How Loan Limits Translate to Home Price (3.5% Down) 4:55 Who Benefits from Higher FHA Limits in 2026? 5:23 FHA Credit, DTI and Property Rules Still Apply 6:05 How to Look Up Your FHA Loan Limit by County 6:27 Final Thoughts First-time home buyer? This channel walks you through buying your first home and finding down payment assistance programs that can cover part or all of your down payment and closing costs. John Thomas, leader of the John Thomas Team at AnnieMac Home Mortgage, explains pre-approval, first-time buyer loan programs (FHA, VA, conventional), down payment assistance, and what to expect at every step, for buyers anywhere in the country, plus Delaware-specific programs. Talk to the team: 302-703-0727 Book a call with John: https://schedule.johnthomasteam.com/30min Apply for a mortgage: http://ApplywithJohnThomasTeam.com Free Delaware Home Buyer Seminar: https://delawarehomebuyerseminar.com John Thomas, NMLS #38783 | John Thomas Team at AnnieMac Home Mortgage, NMLS #338923 #FHALoan #FHALoanLimits #FirstTimeHomeBuyer

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