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2019 FHA Loan Limits in South Carolina

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners.

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If you want to buy a home in South Carolina, from the stately streets of Charleston to the sunny shores of Myrtle Beach, you may find that some parts of the Palmetto State are bucking national home sales trends.

Home prices across the country will continue to rise steadily along with increasing mortgage rates. This double whammy may make it tougher for some buyers to afford a home, leading to less competition and an average 2% drop in home sales nationally, according to Realtor.com’s 2019 national housing forecast.

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But in South Carolina, home sales this year are actually expected to go up by 1.5% in Charleston, a city that dominates the South Carolina housing market, while home prices are predicted to rise at half the expected national average (1.1% in Charleston versus 2.2% nationally).

In the Greenville-Anderson-Mauldin area in the northern part of the state, sales are forecast to rise by 0.6%, even though home prices are expected to increase by 4.6%. And in the Augusta-Richmond County area, in central South Carolina on the border with Georgia, prices are expected to drop by 1.1% while sales could shoot up by 8.8%, the opposite of the national trend.

A Federal Housing Administration (FHA) loan offers one way to offset rising home prices and make homebuying more affordable, if you qualify. The 2019 FHA loan limits for a single-family home in South Carolina range from $314,827 to $388,700.

The FHA sets loan limits each year based on the nationwide conforming loan limit for mortgages to be acquired by Fannie Mae and Freddie Mac, which is adjusted annually by the Federal Housing Finance Agency (FHFA) based on the average U.S. home price. The baseline national conforming loan limit in 2019 for a single-family home is $484,350.

In 2016, the most recent year for which this data is available, 20,122 FHA loans were made in South Carolina for a total of $3.1 billion. In fiscal 2018, 1.82% of FHA loans were issued in South Carolina.

South Carolina FHA Loan Limits by County

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
ABBEVILLE$314,827 $403,125 $487,250 $605,525 $106,000
AIKEN$314,827 $403,125 $487,250 $605,525 $192,000
ALLENDALE$314,827 $403,125 $487,250 $605,525 $19,000
ANDERSON$314,827 $403,125 $487,250 $605,525 $200,000
BAMBERG$314,827 $403,125 $487,250 $605,525 $37,000
BARNWELL$314,827 $403,125 $487,250 $605,525 $30,000
BEAUFORT$350,750 $449,000 $542,750 $674,500 $287,000
BERKELEY$388,700 $497,600 $601,500 $747,500 $338,000
CALHOUN$314,827 $403,125 $487,250 $605,525 $160,000
CHARLESTON$388,700 $497,600 $601,500 $747,500 $338,000
CHEROKEE$314,827 $403,125 $487,250 $605,525 $70,000
CHESTER$317,400 $406,300 $491,150 $610,400 $276,000
CHESTERFIELD$314,827 $403,125 $487,250 $605,525 $68,000
CLARENDON$314,827 $403,125 $487,250 $605,525 $70,000
COLLETON$314,827 $403,125 $487,250 $605,525 $115,000
DARLINGTON$314,827 $403,125 $487,250 $605,525 $130,000
DILLON$314,827 $403,125 $487,250 $605,525 $24,000
DORCHESTER$388,700 $497,600 $601,500 $747,500 $338,000
EDGEFIELD$314,827 $403,125 $487,250 $605,525 $192,000
FAIRFIELD$314,827 $403,125 $487,250 $605,525 $160,000
FLORENCE$314,827 $403,125 $487,250 $605,525 $130,000
GEORGETOWN$327,750 $419,550 $507,150 $630,300 $230,000
GREENVILLE$314,827 $403,125 $487,250 $605,525 $200,000
GREENWOOD$314,827 $403,125 $487,250 $605,525 $106,000
HAMPTON$314,827 $403,125 $487,250 $605,525 $42,000
HORRY$314,827 $403,125 $487,250 $605,525 $206,000
JASPER$350,750 $449,000 $542,750 $674,500 $287,000
KERSHAW$314,827 $403,125 $487,250 $605,525 $160,000
LANCASTER$317,400 $406,300 $491,150 $610,400 $276,000
LAURENS$314,827 $403,125 $487,250 $605,525 $200,000
LEE$314,827 $403,125 $487,250 $605,525 $29,000
LEXINGTON$314,827 $403,125 $487,250 $605,525 $160,000
MARION$314,827 $403,125 $487,250 $605,525 $80,000
MARLBORO$314,827 $403,125 $487,250 $605,525 $69,000
MCCORMICK$314,827 $403,125 $487,250 $605,525 $131,000
NEWBERRY$314,827 $403,125 $487,250 $605,525 $109,000
OCONEE$314,827 $403,125 $487,250 $605,525 $150,000
ORANGEBURG$314,827 $403,125 $487,250 $605,525 $71,000
PICKENS$314,827 $403,125 $487,250 $605,525 $200,000
RICHLAND$314,827 $403,125 $487,250 $605,525 $160,000
SALUDA$314,827 $403,125 $487,250 $605,525 $160,000
SPARTANBURG$314,827 $403,125 $487,250 $605,525 $150,000
SUMTER$314,827 $403,125 $487,250 $605,525 $125,000
UNION$314,827 $403,125 $487,250 $605,525 $150,000
WILLIAMSBURG$314,827 $403,125 $487,250 $605,525 $30,000
YORK$317,400 $406,300 $491,150 $610,400 $276,000

How are FHA loan limits determined?

The Federal Housing Administration sets FHA mortgage loan limits annually based on conforming loan limits for Fannie Mae and Freddie Mac mortgages. Loan limits vary based on the cost of homes in the area and the number of units in the home.

The 2019 FHA loan limit “floor” is $314,827 for one-family homes in low-cost areas. The FHA sets this lower limit in low-cost areas as well as a “ceiling,” which is the loan limit in high-cost areas. The 2019 FHA loan limit is $726,525 for one-family homes in high-cost areas.

The 2019 FHA loan limits for properties with more than one unit in low-cost areas:

  • $403,125 (two units)
  • $487,250 (three units)
  • $605,525 (four units)

The 2019 FHA loan limits for properties with more than one unit in high-cost areas:

  • $930,300 (two units)
  • $1,124,475 (three units)
  • $1,397,400 (four units)

Do you qualify for an FHA loan in South Carolina?

An FHA loan can offer a way to buy a home when you haven’t been able to save a large amount of money for a down payment. In order to qualify for an FHA loan with a low 3.5% down payment, you must have a credit score of at least 580. However, homebuyers with scores between 500 and 579 may still qualify if they can put down 10%. To learn more and see if an FHA loan might be right for you, check out our guide to FHA loans, which offers detailed information on the credit score, income and other requirements.

By clicking “See Rates”, you will be directed to LendingTree. Based on your creditworthiness, you may be matched with up to five different lenders in our partner network.

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2019 FHA Loan Limits in Pennsylvania

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners.

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If you plan to buy a home in Pennsylvania, the good news is that you probably won’t get pulled into a bidding war or need to offer more than asking price to snag your dream home.

The bad news is that in Pennsylvania and the rest of the country, both home prices and mortgage interest rates are expected to rise in 2019. This means some buyers will likely get priced out of the market, according to the 2019 National Housing Forecast from Realtor.com.

For example, while home prices are predicted to edge up by just 0.2% in the Philadelphia area, Pittsburgh home prices are expected to jump by 2.6% in 2019.

However, a Federal Housing Administration (FHA) loan may offer an affordable way to buy a Pennsylvania home. The 2019 FHA loan limits for a single-family home in Pennsylvania range from $314,827 to $402,500 with one exception, Pike County, who has a limit of $726,525.

Every year, the FHA sets loan limits as a percentage of the conforming loan limits for Fannie Mae and Freddie Mac mortgages. The Federal Housing Finance Agency (FHFA) adjusts the conforming loan limits every year, based on the average U.S. home price.

In 2016, the most recent year for which this data is available, 44,538 FHA loans were made in Pennsylvania for a total of $7.1 billion. In 2018, 3.68% of FHA loans were issued in Pennsylvania.

Pennsylvania FHA Loan Limits by County

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
ADAMS$314,827 $403,125 $487,250 $605,525 $180,000
ALLEGHENY$314,827 $403,125 $487,250 $605,525 $228,000
ARMSTRONG$314,827 $403,125 $487,250 $605,525 $228,000
BEAVER$314,827 $403,125 $487,250 $605,525 $228,000
BEDFORD$314,827 $403,125 $487,250 $605,525 $90,000
BERKS$314,827 $403,125 $487,250 $605,525 $150,000
BLAIR$314,827 $403,125 $487,250 $605,525 $90,000
BRADFORD$314,827 $403,125 $487,250 $605,525 $110,000
BUCKS$402,500 $515,250 $622,850 $774,050 $350,000
BUTLER$314,827 $403,125 $487,250 $605,525 $228,000
CAMBRIA$314,827 $403,125 $487,250 $605,525 $57,000
CAMERON$314,827 $403,125 $487,250 $605,525 $72,000
CARBON$372,600 $477,000 $576,550 $716,550 $220,000
CENTRE$314,827 $403,125 $487,250 $605,525 $223,000
CHESTER$402,500 $515,250 $622,850 $774,050 $350,000
CLARION$314,827 $403,125 $487,250 $605,525 $63,000
CLEARFIELD$314,827 $403,125 $487,250 $605,525 $66,000
CLINTON$314,827 $403,125 $487,250 $605,525 $115,000
COLUMBIA$314,827 $403,125 $487,250 $605,525 $163,000
CRAWFORD$314,827 $403,125 $487,250 $605,525 $75,000
CUMBERLAND$314,827 $403,125 $487,250 $605,525 $198,000
DAUPHIN$314,827 $403,125 $487,250 $605,525 $198,000
DELAWARE$402,500 $515,250 $622,850 $774,050 $350,000
ELK$314,827 $403,125 $487,250 $605,525 $97,000
ERIE$314,827 $403,125 $487,250 $605,525 $115,000
FAYETTE$314,827 $403,125 $487,250 $605,525 $228,000
FOREST$314,827 $403,125 $487,250 $605,525 $90,000
FRANKLIN$314,827 $403,125 $487,250 $605,525 $161,000
FULTON$314,827 $403,125 $487,250 $605,525 $111,000
GREENE$314,827 $403,125 $487,250 $605,525 $75,000
HUNTINGDON$314,827 $403,125 $487,250 $605,525 $85,000
INDIANA$314,827 $403,125 $487,250 $605,525 $88,000
JEFFERSON$314,827 $403,125 $487,250 $605,525 $64,000
JUNIATA$314,827 $403,125 $487,250 $605,525 $104,000
LACKAWANNA$314,827 $403,125 $487,250 $605,525 $146,000
LANCASTER$314,827 $403,125 $487,250 $605,525 $203,000
LAWRENCE$314,827 $403,125 $487,250 $605,525 $77,000
LEBANON$314,827 $403,125 $487,250 $605,525 $157,000
LEHIGH$372,600 $477,000 $576,550 $716,550 $220,000
LUZERNE$314,827 $403,125 $487,250 $605,525 $146,000
LYCOMING$314,827 $403,125 $487,250 $605,525 $131,000
MCKEAN$314,827 $403,125 $487,250 $605,525 $53,000
MERCER$314,827 $403,125 $487,250 $605,525 $88,000
MIFFLIN$314,827 $403,125 $487,250 $605,525 $78,000
MONROE$314,827 $403,125 $487,250 $605,525 $139,000
MONTGOMERY$402,500 $515,250 $622,850 $774,050 $350,000
MONTOUR$314,827 $403,125 $487,250 $605,525 $163,000
NORTHAMPTON$372,600 $477,000 $576,550 $716,550 $220,000
NORTHUMBERLAND$314,827 $403,125 $487,250 $605,525 $68,000
PERRY$314,827 $403,125 $487,250 $605,525 $198,000
PHILADELPHIA$402,500 $515,250 $622,850 $774,050 $350,000
PIKE$726,525 $930,300 $1,124,475 $1,397,400 $1,045,000
POTTER$314,827 $403,125 $487,250 $605,525 $76,000
SCHUYLKILL$314,827 $403,125 $487,250 $605,525 $80,000
SNYDER$314,827 $403,125 $487,250 $605,525 $131,000
SOMERSET$314,827 $403,125 $487,250 $605,525 $95,000
SULLIVAN$314,827 $403,125 $487,250 $605,525 $84,000
SUSQUEHANNA$314,827 $403,125 $487,250 $605,525 $99,000
TIOGA$314,827 $403,125 $487,250 $605,525 $106,000
UNION$314,827 $403,125 $487,250 $605,525 $165,000
VENANGO$314,827 $403,125 $487,250 $605,525 $59,000
WARREN$314,827 $403,125 $487,250 $605,525 $66,000
WASHINGTON$314,827 $403,125 $487,250 $605,525 $228,000
WAYNE$314,827 $403,125 $487,250 $605,525 $129,000
WESTMORELAND$314,827 $403,125 $487,250 $605,525 $228,000
WYOMING$314,827 $403,125 $487,250 $605,525 $146,000
YORK$314,827 $403,125 $487,250 $605,525 $175,000
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How are FHA loan limits figured?

The FHA determines the FHA loan limits every year as a percentage of the conforming loan limits for Fannie Mae and Freddie Mac mortgages, which in turn are based on average U.S. home prices. The 2019 national conforming loan limit amount is $484,350. Loan limits vary based on how many units the property has and whether it’s in a low-cost or high-cost area.

The limit in low-cost areas, referred to as the “floor,” is set at 65% of the Fannie Mae and Freddie Mac conforming loan limit. The 2019 FHA loan limit for one-unit properties in low-cost areas is $314,827. The limit in high-cost areas, referred to as the “ceiling,” is set at 150% of the national conforming loan limit. The 2019 FHA loan limit for one-unit properties in high-cost areas is $726,525.

In low-cost areas, the 2019 FHA loan limits for multi-unit properties are

  • $403,125 for a two-unit property
  • $487,250 for a three-unit property
  • $605,525 for a four-unit property

In high-cost areas, the 2019 limits for multi-unit properties are

  • $930,300 for a two-unit property
  • $1,124,475 for a three-unit property
  • $1,397,400 for a four-unit property

Do you qualify for an FHA loan in Pennsylvania?

An FHA loan may be a smart choice if you’d like to buy a home in Pennsylvania but lack funds to make a sizable down payment. If you have a credit score of 580 or higher, you may be able to qualify for an FHA loan that requires a down payment of just 3.5%. If your score is lower, you may need to make a higher down payment of 10%.

Are you interested in getting an FHA loan to buy a home in Pennsylvania? A good next step is to check out our complete guide to FHA loans, which offers detailed information on the credit score, income and other requirements.

By clicking “See Rates”, you will be directed to LendingTree. Based on your creditworthiness, you may be matched with up to five different lenders in our partner network.

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2019 FHA Loan Limits in Kansas

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners.

Written By

If you think there’s no place like Kansas to buy a home, you’re in good company. The housing market in the Sunflower State is hot, with rising prices and lots of competition for available homes in some areas of the state.

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The Kansas housing market is dominated by the Kansas City metro area, which boasts the highest prices in the state, with an average home sale price of $293,000. Jayhawks fans may be disappointed to find out that the second most expensive area for homeownership is the city of Lawrence, home to the University of Kansas. These areas, along with the cities of Topeka and Wichita, are experiencing tight inventory and rising prices for existing homes, according to the Wichita State University (WSU) Center for Real Estate.

The average home sale price across the state of Kansas in December 2018 was $255,268, an increase of almost 30% over the previous year, according to the Kansas Association of Realtors. Home prices are expected to continue rising in 2019, according to the WSU Center for Real Estate.

One way to make buying a home in Kansas more affordable is to get a U.S. Federal Housing Administration (FHA) loan, which may allow you to put down less than you’d need for a conventional mortgage. The FHA sets its loan limits based on the nationwide conforming loan limits for mortgages to be acquired by Fannie Mae and Freddie Mac. The conforming loan limits are adjusted yearly by the Federal Housing Finance Agency (FHFA) based on the average U.S. home price. The maximum conforming loan limit for one-unit properties in 2019 is $484,350 in low-cost areas and $726,525 in high-cost areas.

The FHA loan limit in Kansas is the same across most of the state, but slightly higher in the Kansas City metro area. The 2019 FHA loan limit for a single-family home in the state ranges from $314,827 to $336,950.

In 2016, the most recent year for which this data is available, 10,044 FHA loans were made in Kansas for a total of $1.4 billion. In 2018, fewer than 1% (0.79%) of FHA loans were issued in Kansas.

Kansas FHA Loan Limits by County

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
ALLEN$314,827 $403,125 $487,250 $605,525 $93,000
ANDERSON$314,827 $403,125 $487,250 $605,525 $98,000
ATCHISON$314,827 $403,125 $487,250 $605,525 $107,000
BARBER$314,827 $403,125 $487,250 $605,525 $83,000
BARTON$314,827 $403,125 $487,250 $605,525 $90,000
BOURBON$314,827 $403,125 $487,250 $605,525 $79,000
BROWN$314,827 $403,125 $487,250 $605,525 $87,000
BUTLER$314,827 $403,125 $487,250 $605,525 $163,000
CHASE$314,827 $403,125 $487,250 $605,525 $58,000
CHAUTAUQUA$314,827 $403,125 $487,250 $605,525 $58,000
CHEROKEE$314,827 $403,125 $487,250 $605,525 $80,000
CHEYENNE$314,827 $403,125 $487,250 $605,525 $90,000
CLARK$314,827 $403,125 $487,250 $605,525 $72,000
CLAY$314,827 $403,125 $487,250 $605,525 $106,000
CLOUD$314,827 $403,125 $487,250 $605,525 $78,000
COFFEY$314,827 $403,125 $487,250 $605,525 $115,000
COMANCHE$314,827 $403,125 $487,250 $605,525 $71,000
COWLEY$314,827 $403,125 $487,250 $605,525 $89,000
CRAWFORD$314,827 $403,125 $487,250 $605,525 $100,000
DECATUR$314,827 $403,125 $487,250 $605,525 $66,000
DICKINSON$314,827 $403,125 $487,250 $605,525 $118,000
DONIPHAN$314,827 $403,125 $487,250 $605,525 $143,000
DOUGLAS$314,827 $403,125 $487,250 $605,525 $213,000
EDWARDS$314,827 $403,125 $487,250 $605,525 $62,000
ELK$314,827 $403,125 $487,250 $605,525 $52,000
ELLIS$314,827 $403,125 $487,250 $605,525 $166,000
ELLSWORTH$314,827 $403,125 $487,250 $605,525 $92,000
FINNEY$314,827 $403,125 $487,250 $605,525 $182,000
FORD$314,827 $403,125 $487,250 $605,525 $111,000
FRANKLIN$314,827 $403,125 $487,250 $605,525 $126,000
GEARY$314,827 $403,125 $487,250 $605,525 $145,000
GOVE$314,827 $403,125 $487,250 $605,525 $83,000
GRAHAM$314,827 $403,125 $487,250 $605,525 $77,000
GRANT$314,827 $403,125 $487,250 $605,525 $108,000
GRAY$314,827 $403,125 $487,250 $605,525 $125,000
GREELEY$314,827 $403,125 $487,250 $605,525 $100,000
GREENWOOD$314,827 $403,125 $487,250 $605,525 $64,000
HAMILTON$314,827 $403,125 $487,250 $605,525 $94,000
HARPER$314,827 $403,125 $487,250 $605,525 $71,000
HARVEY$314,827 $403,125 $487,250 $605,525 $163,000
HASKELL$314,827 $403,125 $487,250 $605,525 $123,000
HODGEMAN$314,827 $403,125 $487,250 $605,525 $92,000
JACKSON$314,827 $403,125 $487,250 $605,525 $145,000
JEFFERSON$314,827 $403,125 $487,250 $605,525 $145,000
JEWELL$314,827 $403,125 $487,250 $605,525 $57,000
JOHNSON$336,950 $431,350 $521,400 $648,000 $293,000
KEARNY$314,827 $403,125 $487,250 $605,525 $182,000
KINGMAN$314,827 $403,125 $487,250 $605,525 $163,000
KIOWA$314,827 $403,125 $487,250 $605,525 $133,000
LABETTE$314,827 $403,125 $487,250 $605,525 $81,000
LANE$314,827 $403,125 $487,250 $605,525 $80,000
LEAVENWORTH$336,950 $431,350 $521,400 $648,000 $293,000
LINCOLN$314,827 $403,125 $487,250 $605,525 $74,000
LINN$336,950 $431,350 $521,400 $648,000 $293,000
LOGAN$314,827 $403,125 $487,250 $605,525 $86,000
LYON$314,827 $403,125 $487,250 $605,525 $110,000
MARION$314,827 $403,125 $487,250 $605,525 $88,000
MARSHALL$314,827 $403,125 $487,250 $605,525 $98,000
MCPHERSON$314,827 $403,125 $487,250 $605,525 $148,000
MEADE$314,827 $403,125 $487,250 $605,525 $97,000
MIAMI$336,950 $431,350 $521,400 $648,000 $293,000
MITCHELL$314,827 $403,125 $487,250 $605,525 $96,000
MONTGOMERY$314,827 $403,125 $487,250 $605,525 $77,000
MORRIS$314,827 $403,125 $487,250 $605,525 $96,000
MORTON$314,827 $403,125 $487,250 $605,525 $113,000
NEMAHA$314,827 $403,125 $487,250 $605,525 $118,000
NEOSHO$314,827 $403,125 $487,250 $605,525 $80,000
NESS$314,827 $403,125 $487,250 $605,525 $74,000
NORTON$314,827 $403,125 $487,250 $605,525 $75,000
OSAGE$314,827 $403,125 $487,250 $605,525 $145,000
OSBORNE$314,827 $403,125 $487,250 $605,525 $64,000
OTTAWA$314,827 $403,125 $487,250 $605,525 $132,000
PAWNEE$314,827 $403,125 $487,250 $605,525 $83,000
PHILLIPS$314,827 $403,125 $487,250 $605,525 $82,000
POTTAWATOMIE$314,827 $403,125 $487,250 $605,525 $228,000
PRATT$314,827 $403,125 $487,250 $605,525 $92,000
RAWLINS$314,827 $403,125 $487,250 $605,525 $87,000
RENO$314,827 $403,125 $487,250 $605,525 $103,000
REPUBLIC$314,827 $403,125 $487,250 $605,525 $59,000
RICE$314,827 $403,125 $487,250 $605,525 $79,000
RILEY$314,827 $403,125 $487,250 $605,525 $228,000
ROOKS$314,827 $403,125 $487,250 $605,525 $80,000
RUSH$314,827 $403,125 $487,250 $605,525 $71,000
RUSSELL$314,827 $403,125 $487,250 $605,525 $91,000
SALINE$314,827 $403,125 $487,250 $605,525 $132,000
SCOTT$314,827 $403,125 $487,250 $605,525 $143,000
SEDGWICK$314,827 $403,125 $487,250 $605,525 $163,000
SEWARD$314,827 $403,125 $487,250 $605,525 $96,000
SHAWNEE$314,827 $403,125 $487,250 $605,525 $145,000
SHERIDAN$314,827 $403,125 $487,250 $605,525 $98,000
SHERMAN$314,827 $403,125 $487,250 $605,525 $86,000
SMITH$314,827 $403,125 $487,250 $605,525 $70,000
STAFFORD$314,827 $403,125 $487,250 $605,525 $70,000
STANTON$314,827 $403,125 $487,250 $605,525 $82,000
STEVENS$314,827 $403,125 $487,250 $605,525 $111,000
SUMNER$314,827 $403,125 $487,250 $605,525 $163,000
THOMAS$314,827 $403,125 $487,250 $605,525 $118,000
TREGO$314,827 $403,125 $487,250 $605,525 $88,000
WABAUNSEE$314,827 $403,125 $487,250 $605,525 $145,000
WALLACE$314,827 $403,125 $487,250 $605,525 $88,000
WASHINGTON$314,827 $403,125 $487,250 $605,525 $79,000
WICHITA$314,827 $403,125 $487,250 $605,525 $88,000
WILSON$314,827 $403,125 $487,250 $605,525 $66,000
WOODSON$314,827 $403,125 $487,250 $605,525 $56,000
WYANDOTTE$336,950 $431,350 $521,400 $648,000 $293,000

How are FHA loan limits determined?

Every year, the FHA sets new loan limits based on the conforming loan limit for mortgages that adhere to Fannie Mae and Freddie Mac guidelines. The national loan limits differ by the number of units in the property and the cost of homes in the area.

The 2019 FHA loan limit for single-family homes in low-cost areas is $314,827. The limit in low-cost areas is known as the “floor” and is set at 65% of the conforming loan limit for Fannie Mae and Freddie Mac mortgages.

The following are the 2019 FHA loan limits for multi-unit properties in low-cost areas:

  • Two-unit: $403,125
  • Three-unit: $487,250
  • Four-unit: $605,525

The 2019 FHA loan limit for single-family homes in high-cost areas, set at 150% of the national conforming loan limit, is $726,525. The following are the 2019 limits for multi-unit properties in high-cost areas:

  • Two-unit: $930,300
  • Three-unit: $1,124,475
  • Four-unit: $1,397,400

Do you qualify for an FHA loan in Kansas?

An FHA loan can make homebuying more affordable, if you qualify. In order to get an FHA loan, homebuyers must meet credit score requirements and have enough funds to make the required down payment.

Is an FHA loan right for you? To qualify for an FHA loan with a low 3.5% down payment, you’ll need a credit score of 580 or higher. However, if your score is between 500 and 579, you may still be able to get an FHA loan, as long as you can put at least 10% down. Check out our complete guide to FHA loans to learn more about their pros and cons and how the loan process works.

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