The conforming loan limit explained: where the line is and what crossing it means
FHA vs conforming limits
The line, briefly
FHA loan limits are set by HUD and are often lower than conforming limits in many counties, though high-cost areas can have higher FHA limits. Conforming limits are set by FHFA. The two lists are separate, so check the right one for the loan you are considering.
Last reviewed against the primary sources listed below.
Where to look
| FHA | Conforming | |
|---|---|---|
| Set by | HUD | FHFA |
| Lookup | HUD limits tool | FHFA limit table |
| Above it | Not FHA-eligible | Jumbo |
Questions about the line
Are FHA and conforming loan limits the same?
No. HUD sets FHA limits and FHFA sets conforming limits.
Where do I find FHA loan limits?
On HUD's FHA loan limit lookup.