Key takeaways FHA loans are insured by the Federal Housing Administration and may have more lenient qualifications than conventional loans. FHA loan limits vary by location, but in 2026, they’re generally between $541,287 and $1,249,125 for single-family homes. You can find FHA loan limits for your area on the HUD website. FHA loan limits have increased again for the new year. Here’s what to know if you’re hoping to apply for this low-down payment mortgage in 2026. 2026 FHA lending limits FHA l ...