The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Illustration showing rising FHA loan limits and home prices nationwide in 2026

FHA Loan Limits 2026 Explained: Changes from 2025 and Market Impact

By Scott Sheldon / December 22, 2025

Every year, HUD reviews home price data across the country and adjusts FHA loan limits to reflect what’s happening in the real housing market. These limits matter because they determine how much a buyer can borrow using an FHA loan before needing to move into conventional or jumbo financing. For 2026, HUD made updates that…

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