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FHA Loan Limits · 2026

FHA Loan Limits 2026: How HUD Sets Your County Maximum

In 2026, the 1-unit FHA floor is $541,287 and the high-cost ceiling is $1,249,125. Your county sits somewhere in between and is published by HUD. Educational guide from Simply Approved Mortgages (Company NMLS# 2620881).

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Quick answerSummary
  • ✓2026 1-unit FHA floor: $541,287
  • ✓2026 1-unit FHA ceiling: $1,249,125
  • ✓Set at 115% of the FHFA median home price per county, subject to floor/ceiling
  • ✓Separate, higher limits for 2-, 3-, and 4-unit properties
  • ✓Special-exception limits for Alaska, Hawaii, Guam, and USVI
  • ✓Limits typically update every January
  • ✓Our reference page reconciles live against the HUD publication
SA

Written by

Simply Approved Mortgages Team

Licensed Loan Officers · NMLS# 2620881

12 min read·Independently researched · No paid product placement
Content verified against HUD Handbook 4000.1 · Update 18 (August 12, 2026)Simply Approved Mortgages LLC is not affiliated with HUD or FHA. The handbook text governs; this page is an educational summary.
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Complete the short request and a Simply Approved Mortgages Loan Officer sends back a written summary built from your own numbers: an estimated payment breakdown, estimated cash to close, the loan structures that may fit your file, and the documentation underwriting will ask for.

  • Estimated monthly payment with taxes and insurance
  • Estimated cash to close for your scenario
  • Loan structures your profile may fit
  • Document checklist for your file
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Takes about 3 minutes · Summary shown on screen and emailed to you

Illustration only, generated from the information you enter. Not a rate quote, lock, loan estimate, pre-qualification, offer, approval, or commitment to lend. Figures are subject to credit, income, asset and property review and full lender underwriting; binding numbers appear on your Loan Estimate.

Scenario summary

Purchase price entered
$412,000
Down payment entered
$20,600
Estimated loan amount
$391,400
Estimated cash to close
$14,300
Programs reviewed
4

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Updated for 2026.Verified against current HUD guidance and FHFA Nov 25, 2025 announcement.Next update expected December 2026.November 2026

2026 source-verified figures

Reconciled weekly against the official HUD/FHFA publications. Last-verified date shown for each figure.

Am I over the FHA loan limit?

Enter the loan amount you need and pick your county tier — we'll tell you instantly whether it fits under the 2026 FHA cap. Illustrative check; a Simply Approved Mortgages Loan Officer confirms the exact county figure on the HUD lookup before you write an offer.

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Illustrative fit check based on published HUD figures. Not a quote, lock, offer, or commitment to lend. Binding numbers appear on your Loan Estimate.

Look up your county FHA loan limit

Pick your state below to jump straight to HUD's official FHA Mortgage Limits lookup pre-filtered for your state. HUD's tool is the only authoritative source for a specific county — this shortcut just saves the state-picker step.

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FHA multi-unit loan limits (2026)

HUD publishes separate FHA limits for 1-, 2-, 3-, and 4-unit owner-occupied properties. Multi-unit ceilings scale up using the statutory multipliers set by the National Housing Act (12 U.S.C. § 1709(b)(2)). The figures below are computed from our verified 1-unit anchor and rounded — for an underwriter-usable dollar figure, confirm the exact county number on HUD's lookup tool.

Units (owner-occupied)Statutory multiplierLow-cost (floor)High-cost (ceiling)
1-unit1.000× (baseline)$541,287$1,249,125
2-unit (duplex)1.28×~$692,850~$1,598,900
3-unit (triplex)1.547×~$837,350~$1,932,400
4-unit (fourplex)1.923×~$1,040,900~$2,402,050

Approximate values (~) computed from the statutory HERA multipliers applied to the verified 1-unit floor/ceiling; HUD's published county-level numbers may round differently. Special-exception areas (Alaska, Hawaii, Guam, USVI) receive additional uplift. Always verify at the HUD FHA Mortgage Limits lookup before writing an offer. Not a quote, lock, or commitment to lend.

Standard vs FHA high-balance: monthly P&I comparison

Below is the monthly principal & interest at each FHA tier at an illustrative 30-year fixed rate of 6.750%. Real payments include MIP, property tax, homeowners insurance, and any HOA — your Loan Estimate has the binding figure.

ScenarioBase loanMonthly P&IDelta vs floor
Low-cost county (floor) — $541,287$541,287$3,511/mo—
Mid-tier county — ~$895,000$895,206$5,806/mo+$2,296/mo
High-cost county (ceiling) — $1,249,125$1,249,125$8,102/mo+$4,591/mo

Illustrative 30-year fixed P&I only — excludes MIP, tax, insurance, HOA. Rate is a plausible current market rate; your quoted rate depends on FICO, LTV, DTI, occupancy, and program. Sources: HUD Mortgagee Letter 2025-23, statutory formula 12 U.S.C. § 1709(b). Not a quote, lock, offer, or commitment to lend.

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Over the FHA ceiling?

If your loan exceeds $1,249,125, jumbo may be the path

FHA and conforming both cap out at the county limit. Above that, a jumbo loan takes over — typically 10–20% down, 680–700+ FICO, and pricing based on the private-market investor pool rather than FHA/Fannie/Freddie. It's often the right answer for buyers in high-cost metros or on higher-priced homes.

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FHA loan limit history (5-year trend)

FHA limits are indexed by statute to the FHFA conforming loan limit, which tracks the FHFA Housing Price Index. Here is how the 1-unit floor and high-cost ceiling have moved since 2022 — every value below is a published HUD Mortgagee Letter figure.

2022HUD ML 2021-28
Floor (low-cost)$420,680
Ceiling (high-cost)$970,800
2023HUD ML 2022-19
Floor (low-cost)$472,030
Ceiling (high-cost)$1,089,300
2024HUD ML 2023-21
Floor (low-cost)$498,257
Ceiling (high-cost)$1,149,825
2025HUD ML 2024-21
Floor (low-cost)$524,225
Ceiling (high-cost)$1,209,750
2026HUD ML 2025-23
Floor (low-cost)$541,287
Ceiling (high-cost)$1,249,125

Sources: HUD Mortgagee Letters 2021-28, 2022-19, 2023-21, 2024-21, 2025-23. Past increases do not guarantee future changes; limits can hold or decline. Illustrative only — not a quote or commitment to lend.

FHA loan limits by state

State guides with FHA program details, county caps, and local market context:

FHA loans in Florida
County limits, DPA options, and local guidance for Florida buyers.
FHA loans in Colorado
County limits, DPA options, and local guidance for Colorado buyers.

Renting vs buying at your county's FHA cap — Florida & Colorado

Rent data from HUD's Fair Market Rents shows what a comparable rental costs in each county — a useful anchor when you're deciding whether to buy up to the FHA limit in that market. Educational only; a Simply Approved Mortgages Loan Officer runs the exact numbers for your file.

2026 HUD Fair Market Rents · Florida

What renters in Florida could buy at payment parity

We pulled HUD's published 2026 2-bedroom Fair Market Rents for Floridacounties and calculated the loan amount whose full PITI payment would roughly match today's median rent. It's a quick way to see if buying makes sense in your area.

*Illustrative only for the Florida areas listed above — not a quote, lock, offer, or commitment to lend. Assumes 6.75% 30-year rate, ~22% of payment going to taxes/insurance/HOA, and 3.5% down. Binding figures appear on your Loan Estimate. Individual results vary. Florida rent figures: HUD User FMR 2026 .

Next steps

See Today's Rates

Emailing your Florida rent vs buy comparison scenario opens our secure request form so a Simply Approved Mortgages Loan Officer can review those numbers. Estimates are illustrative and are not a quote, lock, offer, or commitment to lend.

2026 HUD Fair Market Rents · Colorado

What renters in Colorado could buy at payment parity

We pulled HUD's published 2026 2-bedroom Fair Market Rents for Coloradocounties and calculated the loan amount whose full PITI payment would roughly match today's median rent. It's a quick way to see if buying makes sense in your area.

*Illustrative only for the Colorado areas listed above — not a quote, lock, offer, or commitment to lend. Assumes 6.75% 30-year rate, ~22% of payment going to taxes/insurance/HOA, and 3.5% down. Binding figures appear on your Loan Estimate. Individual results vary. Colorado rent figures: HUD User FMR 2026 .

Next steps

See Today's Rates

Emailing your Colorado rent vs buy comparison scenario opens our secure request form so a Simply Approved Mortgages Loan Officer can review those numbers. Estimates are illustrative and are not a quote, lock, offer, or commitment to lend.

How HUD sets FHA loan limits

Under the National Housing Act, HUD sets FHA loan limits at 115% of the FHFA median home price for each county, bounded by a national floor (65% of the FHFA conforming loan limit) and a national ceiling (150% of the FHFA conforming loan limit). Counties below the floor use the floor; counties above the ceiling use the ceiling; counties in between are set individually.

For 2026, the 1-unit floor is $541,287 and the 1-unit ceiling is $1,249,125.

FHA vs conforming vs jumbo: how the limits compare

FeatureFHAConforming (Fannie/Freddie)Jumbo
1-unit low-cost limit (2026)$541,287FHFA baseline (see live figure)Above the FHFA high-cost ceiling
1-unit high-cost limit (2026)$1,249,125150% of the FHFA baselineAnything above conforming high-cost
Minimum down payment3.5% (FICO 580+) / 10% (FICO 500–579)3–5% for many programsTypically 10–20%
Minimum FICO (program floor)500 with 10% down620 (most programs)Typically 680–700+
Mortgage insuranceUFMIP + annual MIPPMI to 78% LTV; none over 20% downVaries by lender / program

Comparative figures reflect published HUD and FHFA guidance for 2026. Individual results vary and are not a quote, lock, offer, or commitment to lend. Binding numbers appear on your Loan Estimate.

Multi-unit FHA loan limits

HUD publishes separate 1-, 2-, 3-, and 4-unit limits. Multi-unit ceilings are meaningfully higher, which is why the FHA 203(b) is especially useful for owner-occupied 2–4 unit house-hacking scenarios in high-cost markets. The multi-unit limits are published in the same HUD Mortgagee Letter and county lookup as the 1-unit figures.

Special-exception areas: Alaska, Hawaii, Guam, and USVI

HUD publishes higher special-exception limits for Alaska, Hawaii, Guam, and the U.S. Virgin Islands to reflect elevated construction costs. Confirm current numbers on the HUD lookup before submitting an offer in those markets — the exception uplift applies on top of the standard 1-, 2-, 3-, and 4-unit ceilings.

How FHA loan limits have changed over time — and what to watch

FHA loan limits are tied by statute to the FHFA conforming loan limit, which is itself indexed to the FHFA Housing Price Index (HPI). As U.S. home prices climbed through the 2020–2023 cycle, both the conforming and FHA limits rose annually. When home prices flatten or decline, the statute allows limits to hold rather than fall in most years, but there is no legal guarantee they always increase.

Historical context matters for planning:

  • New limits publish each December, effective January 1. If you are shopping in late Q4, the next year's higher limits usually cannot be used on a contract signed under the current year's guidelines.
  • Limits are county-specific, not state-specific. Two neighboring counties can have very different FHA maximums when they straddle a metro line.
  • The floor/ceiling gap widens as the FHFA index rises. More borrowers land between the two figures, meaning the exact county number matters more than the national ones.
  • Reclassification can move a county overnight. A metro added to (or removed from) HUD's high-cost designation shifts the limit meaningfully — check the HUD lookup, not last year's number.

Sources: HUD FHA Mortgage Limits; FHFA Conforming Loan Limit Values; FHFA Housing Price Index (HPI). Rates and figures are illustrative. Individual results vary. Not a quote, lock, offer, or commitment to lend.

What happens when your purchase price exceeds the county limit?

An FHA loan cannot exceed the published county limit for the property type. Your options:

  • Increase your down payment so the base loan fits under the FHA limit.
  • Switch to a conforming or high-balance conventional loan, if your credit and DTI support it.
  • Switch to a jumbo loan (above the FHFA high-cost ceiling), typically requiring 10–20% down and stronger credit.
  • Speak with a Simply Approved Mortgages Loan Officer to price all three side-by-side on your scenario before you write an offer.

How do I check my exact county FHA loan limit?

  1. Use the HUD FHA Mortgage Limits lookup — search by state, then county, then unit count.
  2. Compare against the FHFA conforming limit so you know whether a conforming loan is also available at your price point.
  3. Confirm the effective date. HUD publishes limits by Mortgagee Letter; the effective date is on the letter itself.
  4. Get a written confirmation on the file. Ask your Simply Approved Mortgages Loan Officer to attach the current HUD figure to your pre-approval so the number is locked in writing.

Florida and Colorado FHA loan limits, county by county

Simply Approved Mortgages LLC arranges residential mortgage loans in Florida and Colorado, so these are the two states we publish in full. Every county below shows the 2026 FHA maximum for one-, two-, three-, and four-unit properties, taken from HUD's published CY2026 FHA forward-limits data file. Two- to four-unit limits apply only when you occupy one of the units as your primary residence. Select a county name for local FHA guidance, assistance programs, and cost context for that county.

Figures are HUD's published limits for the calendar year shown and are not a quote, lock, offer, or commitment to lend. HUD republishes limits annually, so confirm your county on the official HUD FHA mortgage limits lookup before you write an offer.

Florida FHA loan limits by county (2026)

2026 FHA forward mortgage limits for all 67 Florida counties
County1 unit2 units3 units4 units
Miami-Dade County$667,000$853,900$1,032,150$1,282,700
Broward County$667,000$853,900$1,032,150$1,282,700
Palm Beach County$667,000$853,900$1,032,150$1,282,700
Monroe County$990,150$1,267,600$1,532,200$1,904,150
Collier County$764,750$979,000$1,183,400$1,470,700
Lee County$541,287$693,050$837,700$1,041,125
Charlotte County$541,287$693,050$837,700$1,041,125
Sarasota County$547,400$700,750$847,050$1,052,700
Manatee County$547,400$700,750$847,050$1,052,700
Hillsborough County$541,287$693,050$837,700$1,041,125
Pinellas County$541,287$693,050$837,700$1,041,125
Pasco County$541,287$693,050$837,700$1,041,125
Hernando County$541,287$693,050$837,700$1,041,125
Citrus County$541,287$693,050$837,700$1,041,125
Orange County$541,287$693,050$837,700$1,041,125
Seminole County$541,287$693,050$837,700$1,041,125
Osceola County$541,287$693,050$837,700$1,041,125
Lake County$541,287$693,050$837,700$1,041,125
Polk County$541,287$693,050$837,700$1,041,125
Sumter County$541,287$693,050$837,700$1,041,125
Volusia County$541,287$693,050$837,700$1,041,125
Marion County$541,287$693,050$837,700$1,041,125
Duval County$580,750$743,450$898,700$1,116,850
St. Johns County$580,750$743,450$898,700$1,116,850
Clay County$580,750$743,450$898,700$1,116,850
Nassau County$580,750$743,450$898,700$1,116,850
Baker County$580,750$743,450$898,700$1,116,850
Flagler County$541,287$693,050$837,700$1,041,125
Alachua County$541,287$693,050$837,700$1,041,125
Putnam County$541,287$693,050$837,700$1,041,125
Levy County$541,287$693,050$837,700$1,041,125
Gilchrist County$541,287$693,050$837,700$1,041,125
Dixie County$541,287$693,050$837,700$1,041,125
Lafayette County$541,287$693,050$837,700$1,041,125
Suwannee County$541,287$693,050$837,700$1,041,125
Hamilton County$541,287$693,050$837,700$1,041,125
Madison County$541,287$693,050$837,700$1,041,125
Taylor County$541,287$693,050$837,700$1,041,125
Columbia County$541,287$693,050$837,700$1,041,125
Union County$541,287$693,050$837,700$1,041,125
Bradford County$541,287$693,050$837,700$1,041,125
Escambia County$541,287$693,050$837,700$1,041,125
Santa Rosa County$541,287$693,050$837,700$1,041,125
Okaloosa County$603,750$772,900$934,250$1,161,050
Walton County$603,750$772,900$934,250$1,161,050
Bay County$541,287$693,050$837,700$1,041,125
Holmes County$541,287$693,050$837,700$1,041,125
Washington County$541,287$693,050$837,700$1,041,125
Jackson County$541,287$693,050$837,700$1,041,125
Calhoun County$541,287$693,050$837,700$1,041,125
Gulf County$541,287$693,050$837,700$1,041,125
Franklin County$541,287$693,050$837,700$1,041,125
Liberty County$541,287$693,050$837,700$1,041,125
Gadsden County$541,287$693,050$837,700$1,041,125
Leon County$541,287$693,050$837,700$1,041,125
Wakulla County$541,287$693,050$837,700$1,041,125
Jefferson County$541,287$693,050$837,700$1,041,125
Brevard County$541,287$693,050$837,700$1,041,125
Indian River County$541,287$693,050$837,700$1,041,125
St. Lucie County$603,750$772,900$934,250$1,161,050
Martin County$603,750$772,900$934,250$1,161,050
Okeechobee County$541,287$693,050$837,700$1,041,125
Highlands County$541,287$693,050$837,700$1,041,125
Hardee County$541,287$693,050$837,700$1,041,125
DeSoto County$541,287$693,050$837,700$1,041,125
Glades County$541,287$693,050$837,700$1,041,125
Hendry County$541,287$693,050$837,700$1,041,125

Colorado FHA loan limits by county (2026)

2026 FHA forward mortgage limits for all 64 Colorado counties
County1 unit2 units3 units4 units
Adams County$862,500$1,104,150$1,334,700$1,658,700
Alamosa County$541,287$693,050$837,700$1,041,125
Arapahoe County$862,500$1,104,150$1,334,700$1,658,700
Archuleta County$541,287$693,050$837,700$1,041,125
Baca County$541,287$693,050$837,700$1,041,125
Bent County$541,287$693,050$837,700$1,041,125
Boulder County$879,750$1,126,250$1,361,350$1,691,850
Broomfield County$862,500$1,104,150$1,334,700$1,658,700
Chaffee County$713,000$912,750$1,103,350$1,371,150
Cheyenne County$541,287$693,050$837,700$1,041,125
Clear Creek County$862,500$1,104,150$1,334,700$1,658,700
Conejos County$541,287$693,050$837,700$1,041,125
Costilla County$541,287$693,050$837,700$1,041,125
Crowley County$541,287$693,050$837,700$1,041,125
Custer County$541,287$693,050$837,700$1,041,125
Delta County$541,287$693,050$837,700$1,041,125
Denver County$862,500$1,104,150$1,334,700$1,658,700
Dolores County$541,287$693,050$837,700$1,041,125
Douglas County$862,500$1,104,150$1,334,700$1,658,700
Eagle County$1,249,125$1,599,375$1,933,200$2,402,625
Elbert County$862,500$1,104,150$1,334,700$1,658,700
El Paso County$541,650$693,400$838,150$1,041,650
Fremont County$541,287$693,050$837,700$1,041,125
Garfield County$1,249,125$1,599,375$1,933,200$2,402,625
Gilpin County$862,500$1,104,150$1,334,700$1,658,700
Grand County$883,200$1,130,650$1,366,700$1,698,500
Gunnison County$747,500$956,950$1,156,700$1,437,500
Hinsdale County$563,500$721,400$872,000$1,083,650
Huerfano County$541,287$693,050$837,700$1,041,125
Jackson County$541,287$693,050$837,700$1,041,125
Jefferson County$862,500$1,104,150$1,334,700$1,658,700
Kiowa County$541,287$693,050$837,700$1,041,125
Kit Carson County$541,287$693,050$837,700$1,041,125
La Plata County$747,500$956,950$1,156,700$1,437,500
Lake County$1,092,500$1,398,600$1,690,600$2,101,000
Larimer County$634,800$812,650$982,300$1,220,800
Las Animas County$541,287$693,050$837,700$1,041,125
Lincoln County$541,287$693,050$837,700$1,041,125
Logan County$541,287$693,050$837,700$1,041,125
Mesa County$541,287$693,050$837,700$1,041,125
Mineral County$541,287$693,050$837,700$1,041,125
Moffat County$1,089,050$1,394,200$1,685,250$2,094,350
Montezuma County$541,287$693,050$837,700$1,041,125
Montrose County$541,287$693,050$837,700$1,041,125
Morgan County$541,287$693,050$837,700$1,041,125
Otero County$541,287$693,050$837,700$1,041,125
Ouray County$750,950$961,350$1,162,050$1,444,150
Park County$862,500$1,104,150$1,334,700$1,658,700
Phillips County$541,287$693,050$837,700$1,041,125
Pitkin County$1,249,125$1,599,375$1,933,200$2,402,625
Prowers County$541,287$693,050$837,700$1,041,125
Pueblo County$541,287$693,050$837,700$1,041,125
Rio Blanco County$541,287$693,050$837,700$1,041,125
Rio Grande County$541,287$693,050$837,700$1,041,125
Routt County$1,089,050$1,394,200$1,685,250$2,094,350
Saguache County$541,287$693,050$837,700$1,041,125
San Juan County$541,287$693,050$837,700$1,041,125
San Miguel County$1,045,350$1,338,250$1,617,650$2,010,350
Sedgwick County$541,287$693,050$837,700$1,041,125
Summit County$1,092,500$1,398,600$1,690,600$2,101,000
Teller County$541,650$693,400$838,150$1,041,650
Washington County$541,287$693,050$837,700$1,041,125
Weld County$575,000$736,100$889,800$1,105,800
Yuma County$541,287$693,050$837,700$1,041,125

FHA mortgage market update

Loan limits are the ceiling — but the rate environment sets the real monthly payment when you approach it. This live snapshot pulls weekly from Freddie Mac's PMMS and the FRED API so you can see how today's rates affect a max-FHA scenario in your county.

Purchase market update

What buyers should know this month

November 2026

30-Yr Fixed · national avg

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15-Yr Fixed · national avg

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2026 buying power

Conforming baseline: $832,750
FHA floor / ceiling: $541,287 – $1,249,125

What it means for purchase buyers in November 2026: Conventional fixed rates move weekly with the bond market, so the number you see today is the national average — not your locked rate. Federal loan limits for 2026 are published by FHFA and HUD; high-cost counties carry higher caps. Page reviewed November 2026 (2026 program year). Sources: Freddie Mac PMMS, FHFA, HUD. Individual results vary.

Today's rates

Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.

Real rates — your scenario, not a guess

Today's rate options below refresh twice each business day from our wholesale pricing engine; run your own scenario in the pricing tool. National survey averages below give you market context — they're not Simply Approved's pricing.

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See your real rate — for your scenario, in our pricing tool

Pull live, scenario-specific pricing from our wholesale pricing engine. Your binding rate and APR are confirmed on your Loan Estimate after a quick file review.

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Pricing snapshot

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Today's Mortgage Rate Options at a Glance

Four real options from today's wholesale pricing for one documented sample scenario per program — no form needed. Updated twice each business day, about 10 AM and 2 PM Eastern. Your own rate depends on your credit, down payment, property, state and lock date.

National market context

Freddie Mac PMMS — weekly U.S. averages

Source: Freddie Mac PMMS (PMMS_history.csv)

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PMMS figures shown above are Freddie Mac's national survey averages, published weekly by Freddie Mac (PMMS_history.csv) — they are not Simply Approved Mortgages' rates, not a quote, not a lock, and not an offer or commitment to lend. Your actual rate, APR, and payment depend on credit profile, loan program, occupancy, LTV, DTI, property type, lock period, and current market pricing at the time of lock. Your binding figures appear on your Loan Estimate. Simply Approved Mortgages LLC · NMLS# 2620881 · Equal Housing Opportunity.

Sources: Freddie Mac Primary Mortgage Market Survey (PMMS) and FRED (St. Louis Fed). Rates are illustrative, not a quote, lock, offer, or commitment to lend.

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Key facts about FHA loan limits

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Set by county, not by state

Two counties in the same state can have very different FHA limits.

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115% of median home price

HUD anchors county limits to the FHFA median.

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Multi-unit limits are higher

2-, 3-, and 4-unit ceilings scale up separately.

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Updated annually

New limits are typically effective January 1.

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Alaska, Hawaii, Guam, USVI

Higher special-exception limits due to construction costs.

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Reference page updates live

This page reconciles against the HUD publication weekly.

Expert Insight
The most common FHA-limit mistake we see is submitting an offer at exactly the ceiling in a county where the limit is a few thousand dollars lower. Ask your Simply Approved Mortgages Loan Officer to confirm the exact county figure before you write, not after — the fix is usually a small price adjustment, but it has to happen upfront.
Simply Approved Mortgages Team
Licensed Loan Officers • NMLS# 2620881

Want this applied to your own file?

A Simply Approved Mortgages Loan Officer reviews your credit, income, and property against current FHA guidelines and follows up with estimated figures. Educational only — not a quote, lock, offer, or commitment to lend.

Start My ApprovalSee Today's Rates

Qualifications & requirements

FHA (limits-focused) qualifications: what you actually need to qualify

RequirementTypical standardNotes
2026 1-unit FHA floor$541,287Low-cost county maximum for a single-unit primary residence. Set at 65% of the FHFA conforming loan limit per the National Housing Act.
2026 1-unit FHA ceiling$1,249,125High-cost county maximum for a single-unit primary residence. Set at 150% of the FHFA conforming loan limit.
Per-county formula115% of median home priceHUD anchors each county limit to 115% of the FHFA median home price, then applies the floor and ceiling.
Multi-unit properties2-, 3-, and 4-unit limits are higherHUD publishes separate limits per unit count. Multi-unit ceilings scale up materially for owner-occupied 2–4 unit purchases.
Special-exception areasAK, HI, Guam, USVIElevated statutory limits reflect higher construction costs in these areas.
Minimum FICO (program)580 with 3.5% downFHA program minimum. 500–579 requires 10% down. Limits and FICO are separate qualifiers — you must meet both.
DTI ceiling (program)43% standard (up to ~56.99% with AUS approval)FHA TOTAL Scorecard can approve DTIs above the manual-underwrite 43% guideline with compensating factors — separate from the loan-limit rule.
Update cadenceAnnually, typically Jan 1HUD publishes new limits each December via Mortgagee Letter, effective the following January.

Sources: HUD FHA Mortgage Limits; FHFA Conforming Loan Limit Values; HUD Handbook 4000.1. Individual results vary; guidelines subject to change.

What FHA loan limits actually control

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Cap the base loan amount HUD will insure — you cannot borrow above your county's published limit on an FHA loan.

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Determine whether your target purchase price fits FHA or forces a conforming/jumbo alternative.

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Set separate maximums for 2-, 3-, and 4-unit owner-occupied purchases (house-hacking scenarios).

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Trigger the FHA "high-balance" pricing tier in counties above the floor but below the ceiling.

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Apply equally to FHA 203(b) purchase, FHA 203(k) renovation, FHA cash-out, and FHA streamline refinance.

The honest trade-off

FHA loan pros and cons

FHA is powerful but not perfect. Here is the straight read on both sides.

Pros

  • +

    580 FICO at 3.5% down.

    More flexible than nearly every conventional program.

  • +

    Standard 43% back-end DTI; can stretch to approximately 56.99%.

    Higher debt loads can still qualify with compensating factors.

  • +

    100% gift funds allowed.

    Full down payment can come from family, employer, or DPA.

  • +

    Assumable loan.

    A qualified future buyer can take over your FHA at your rate.

  • +

    6% seller concessions.

    Sellers can fund a meaningful portion of closing costs.

  • +

    Short post-event waiting periods.

    2 yrs post Ch.7, 3 yrs post foreclosure (HUD).

Cons

  • !

    Annual MIP for life when LTV > 90%.

    Refinancing into conventional is the standard exit.

  • !

    County loan limits cap the amount.

    High-cost homes may need conventional or jumbo.

  • !

    HUD property standards required.

    Safety, soundness, security issues must be cured pre-close.

  • !

    Primary residence only.

    No second homes or pure investment properties.

  • !

    Upfront MIP increases loan size.

    1.75% of the base loan amount, typically financed.

  • !

    Lender overlays may apply.

    Some lenders require a higher score than HUD’s 580 floor.

See where you stand on these requirements

A Simply Approved Mortgages Loan Officer will review your credit, income, and reserves against real program guidelines — no obligation.

Start My Approval

Worked example

How this loan actually works — a full example

A buyer targets a $575,000 home in a low-cost county where the 2026 1-unit FHA limit sits at the national floor of $541,287. They have 3.5% down saved ($20,125) and a 680 FICO.

Inputs

Purchase price
$575,000
Available down payment (3.5%)
$20,125
Base loan needed (96.5% LTV)
$554,875
County FHA limit (1-unit, 2026 floor)
$541,287
Gap over FHA limit
$13,588

Calculation

  1. 1
    Option A — Increase down payment to fit FHA
    Down payment rises to ~$33,713 (~5.9%). Base loan = $541,287 (at county limit).
  2. 2
    Option B — Switch to conforming conventional
    Requires 620+ FICO and DTI within program limits. LLPA pricing applies; MI required until 78% LTV.
  3. 3
    Option C — Switch to jumbo
    Only if the loan exceeds the FHFA high-cost ceiling. Typically 10–20% down and 700+ FICO.
Outcome
This buyer likely chooses Option A (increase down payment to fit the FHA floor) or Option B (conforming) depending on which prices better. Illustrative only — a Simply Approved Mortgages Loan Officer will price all three side-by-side against your actual county limit and credit tier.

Illustrative only — not a quote, lock, offer, or commitment to lend. Binding figures appear on your Loan Estimate.

FHA loan limit real-world scenarios

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Low-cost county at floor

Buyer in a rural county caps at the FHA floor — plenty for the median home price.

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High-cost county at ceiling

Buyer in a HERA-designated high-cost metro can borrow up to the ceiling for a 1-unit home.

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2-4 unit, high-cost area

Higher limits apply for multi-family owner-occupied purchases.

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Above the ceiling

Buyer switches to conventional conforming or jumbo to fund the purchase.

Live market pricing

FHA loan mortgage rates today

FHA mortgage rates change every business day with the MBS market, Treasury yields, and lender pricing. Because FHA loans are federally insured, lenders can price them competitively for borrowers with credit scores and debt-to-income ratios that might not qualify for the best conventional terms.

Your exact rate depends on your middle FICO score, loan-to-value ratio, loan amount, occupancy, property type, and whether you pay discount points. Borrowers with higher credit scores and larger down payments typically receive more favorable pricing and Annual MIP factors.

We update our rate board daily through our Simply Approved Mortgages rate engine so you can review current FHA rate and APR examples for the scenario you select.

See Today's RatesStart My Approval

What affects your FHA rate

  • ✓

    Credit score

    Higher middle FICO scores get lower base rates and better MIP tiers.

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    Down payment / LTV

    A 10% down payment unlocks the 11-year MIP removal rule and lower pricing.

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    Loan amount

    Rates and MIP factors differ between standard and high-balance FHA loans.

  • ✓

    Discount points

    Paying points upfront can lower your rate — or keep costs lower with a slightly higher rate.

  • ✓

    Market timing

    Rates move with MBS and Treasury markets; locking protects you from increases.

Rates and APRs shown on our rate board are illustrative and change daily. Not a quote, lock, offer, or commitment to lend. Your actual rate, APR, and payment depend on credit, income, assets, occupancy, property type, and automated underwriting findings. Binding figures appear on your official Loan Estimate after a complete application. Simply Approved Mortgages LLC, NMLS# 2620881. Equal Housing Opportunity.

Interactive tools

FHA loan calculators

Estimate your FHA payment, see how much home you can afford, and compare FHA vs Conventional side-by-side. All figures are illustrative — not a quote, lock, offer, or commitment to lend.

Loan term
Estimated monthly payment (PITI + MIP)
$2,755/mo
Principal & interest$2,172
Property taxes$300
Homeowner's insurance$125
Annual MIP (0.55%)$158
Down payment$12,250
Base loan$337,750
UFMIP (1.75%, financed)$5,911
Total loan amount$343,661
LTV96.5%
See Today's Rates

Illustrative scenarios for educational purposes only. Not a quote, lock, offer, or commitment to lend. FHA Annual MIP rates; UFMIP is 1.75% of the base loan amount and is typically financed. Conventional PMI rates vary by mortgage insurer, credit score, and LTV. Property taxes and homeowner's insurance vary by location and carrier. Binding figures appear on your Loan Estimate after a complete application. Simply Approved Mortgages LLC, NMLS# 2620881. Equal Housing Opportunity.

Next steps

See Today's Rates

Emailing your FHA payment and limit calculators scenario opens our secure request form so a Simply Approved Mortgages Loan Officer can review those numbers. Estimates are illustrative and are not a quote, lock, offer, or commitment to lend.

Wholesale advantage

Compare loan officer compensation on your mortgage quote

Loan officer compensation is part of the cost of a mortgage. On eligible residential loans, Simply Approved Mortgages generally uses 1.5% lender-paid compensation. Enter the compensation shown on another lender's Loan Estimate to see the difference in dollars.

Simply Approved Mortgages compensation (1.5%)$4,500
Quote you entered (2.75%)$8,250

Compensation difference on this illustration: $3,750.

How lower compensation can help you

Room for a lower rate

When less compensation is built into pricing, there can be room for a lower interest rate, which may lower your monthly payment.

Possible credits toward closing

Depending on the rate you choose, pricing can sometimes include a lender credit toward third-party closing costs, so you may bring less cash to closing.

More purchasing power

A lower rate means a lower monthly payment, which can lower your debt-to-income ratio and may help you qualify for more home on the same income.

Wholesale, not retail

As a mortgage broker we compare pricing from wholesale lenders instead of offering a single bank’s retail pricing.

Tip: On page 2 of your Loan Estimate, look at Section A, "Origination Charges." If the lender pays the loan officer, that compensation usually does not appear there as its own line; it is built into the interest rate. That is why comparing the rate and any lender credits side by side matters.

Get a second opinion on your Loan Estimate

Already have a Loan Estimate from another bank or broker? Share it with a Simply Approved Mortgages Loan Officer, who will compare the rate, fees and credits side by side with options we can arrange. No cost to request a review.

Illustration only — not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate. Lender-paid compensation is paid by the lender, not directly by you, and is part of the loan's pricing, so the loan is not free of costs. A lower compensation figure does not by itself guarantee a lower rate or lower closing costs; individual results vary by credit, loan type, property and market conditions. Residential lending in FL and CO only. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.

Get Ready

Document Checklist for FHA Loan Limits

Gathering these documents up front helps your Simply Approved Mortgages Loan Officer issue a stronger pre-approval and move FHA Loan Limits to Clear-to-Close faster. Actual items required vary by scenario — your loan officer will confirm the final list.

Choose your income type

Only the income documents that apply to you are shown. Switch tabs if you have multiple income sources — your loan officer will confirm which apply.

W-2 / Employed Income

  • ✓Most recent 30 days of paystubs (all borrowers, all jobs)
  • ✓W-2s for the last 2 years (all employers)
  • ✓Two-year employment history with employer names, addresses, and dates
  • ✓Verification of Employment — written (WVOE) or electronic (EVOE through a third-party payroll service); your loan officer orders it with your signed authorization
  • ✓Employment reverification within 10 days before closing — verbal or electronic, required on every file
  • ✓Bonus / commission / overtime: 2-year history if used to qualify
  • ✓Recent job change: offer letter and first paystub after start date
  • ✓Retirees / fixed income: Social Security award letter, pension statements, 1099-R

Assets & Reserves

  • ✓Most recent 2 months of bank statements (all pages)
  • ✓Most recent quarterly statement for retirement / brokerage / 401(k)
  • ✓Gift funds: signed gift letter + donor bank statement + transfer proof
  • ✓Large deposit letters of explanation with source documentation

Identity & Residency

  • ✓Government-issued photo ID (driver's license or passport)
  • ✓Social Security card or ITIN letter
  • ✓Two years of residency history with addresses

Credit & Liabilities

  • ✓Written credit report authorization
  • ✓Letter of explanation for any late payments, collections, or inquiries
  • ✓Bankruptcy discharge papers or foreclosure documentation (if applicable)
  • ✓Child support / alimony order (if paying or receiving)
  • ✓Divorce decree / separation agreement (only if applicable)

Property & Purchase

  • ✓Fully executed purchase contract with all addenda
  • ✓Earnest money deposit receipt + source of funds
  • ✓Homeowners insurance quote (binder before closing)
  • ✓HOA / condo questionnaire and dues statement (if applicable)

FHA-Specific Documentation

  • ✓FHA case number assignment (ordered by your loan officer)
  • ✓CAIVRS clearance authorization
  • ✓For DPA: down payment assistance program application + subordination docs
  • ✓For non-occupying co-borrower: proof of relationship
  • ✓For manufactured home: HUD tags, foundation certification, land title

Educational checklist only. Not a commitment to lend and not a complete list of conditions. Documentation requirements are governed by agency guidelines (Fannie Mae Selling Guide, FHA Handbook 4000.1 incl. Update 18 (August 12, 2026), VA Lender's Handbook, USDA HB-1-3555) and individual investor overlays. Your Simply Approved Mortgages Loan Officer will provide your specific document list based on your scenario.

Credit Documentation & Monitoring

Credit Reports and Credit Monitoring for FHA Loan Limits

Credit is one of the four underwriting buckets every lender reviews — and one of the few you can actively improve before you apply. Monitoring your credit throughout the process helps you catch errors, fraud, and score changes early, which protects your approval timeline and your rate.

Step 1 · Lender Pull

Ordering Credit for Your Pre-Approval File

Once you sign your loan application (Form 1003) and disclosures, your Simply Approved Mortgages Loan Officer orders a tri-merge residential mortgage credit report (RMCR) from Equifax, Experian, and TransUnion. This is a hard inquiry, but FICO's model treats mortgage inquiries within a 45-day window as a single event, so shopping lenders during that window will not stack on your score.

  • What we need from you: signed borrower authorization, government-issued photo ID, Social Security number (or ITIN), and current address.
  • What the report shows underwriters: middle FICO score, open tradelines, minimum payments, late history, collections, public records, and recent inquiries.
  • How long it's valid: 120 days for conventional loans and for FHA/VA/USDA (HUD guidelines, VA Lender's Handbook Ch. 4). Older reports must be re-pulled before closing.
  • Rapid rescore: if a legitimate error is on your report, we can request a rapid rescore in 3–7 business days after you supply documentation from the creditor.
Pay for Your Credit Report →

This link redirects to our third-party credit vendor's payment portal. You pay the report fee directly so we can pull your tri-merge credit report for your pre-approval file. A credit pull is required for underwriting; this is not a commitment to lend.

Step 2 · Self-Check

Review and Monitor Your Credit at MyITINCredit.com

Before we pull your file, review and monitor your credit at MyITINCredit.com. Their $1 promotional trial gives you tri-bureau visibility plus ongoing credit monitoring so you can catch changes, disputes, or new accounts as they appear — not after they've already delayed your loan.

  • Verify accuracy: confirm names, addresses, SSN/ITIN, and every open account belong to you.
  • Dispute errors: the Fair Credit Reporting Act gives you the right to dispute inaccurate items directly with the bureau — no charge.
  • Address collections and charge-offs: a settled or paid collection can be documented in advance so it does not stall underwriting.
  • Pay down utilization: credit-card balances reported below 30% of the limit typically produce the strongest scores.
  • Avoid new credit: do not open new cards, finance a car, or co-sign for anyone from now through closing.
  • Monitor continuously: credit monitoring alerts you to new inquiries, balance changes, and potential identity theft while your loan is in process.
Check & Monitor Your Credit at MyITINCredit.com →

MyITINCredit.com is a service operated by Simply Approved Corporation (a DBA of that entity), which is the parent company of Simply Approved Mortgages LLC. Simply Approved Mortgages may receive subscription revenue if you choose to enroll. Credit monitoring through MyITINCredit.com is optional and is not required to apply for or obtain a mortgage with us. Promotional pricing, trial terms, and monitoring features are set by MyITINCredit.com and subject to change.

Why credit monitoring matters during a mortgage — A single new collection, missed payment, or unauthorized inquiry can change your qualifying score or trigger additional underwriting conditions. Typical minimum scores* — Conventional 620, FHA 580 (3.5% down) or 500 (10% down), VA no HUD minimum (most lenders 580–620), USDA typically 640, Jumbo 680–740, Doctor Mortgage 680–700+, Non-QM/DSCR varies by program, ITIN 620–680 alternative credit. Investor and lender overlays apply; individual results vary. Not a commitment to lend.

Trusted government resources

These independent government resources can help you research mortgage programs, rates, and your rights before you apply.

Simply Approved Mortgages is not affiliated with HUD, the CFPB, the FTC, the VA, or any other government agency. Links are provided for your independent verification.

FAQs reviewed by Simply Approved Mortgages · November 2026

Still have questions? Get answers on your scenario

Start a short request and a Simply Approved Mortgages Loan Officer responds within one business day with next steps and a document checklist.

Start My ApprovalSee Today's Rates

FHA Loan Limits: Frequently Asked Questions

Answers to the most common FHA loan limits questions, written by licensed loan officers.

The FHA loan limit is the maximum mortgage amount HUD will insure in a given county. In 2026, the 1-unit "floor" (low-cost areas) is $541,287 and the 1-unit "ceiling" (high-cost areas) is $1,249,125.
Ask Sam AI

Ask SAM anything about mortgages

SAM is the Simply Approved Mortgages AI assistant. It answers general questions using the reviewed guides published on this site and links you to the primary government source. It is educational only — it does not quote a rate, payment, APR, approval or commitment to lend. A Simply Approved Mortgages Loan Officer reviews every scenario before any terms are confirmed.

Hi, I'm SAM — an AI assistant for Simply Approved Mortgages. I can explain loan programs, closing costs, DTI, down payments and which calculator or guide to use. I'm not a licensed loan officer, and nothing here is a quote, approval or commitment to lend.

SAM is an AI assistant — not a licensed loan officer, attorney, CPA or financial adviser. Answers are educational only, are not a quote, lock, offer or commitment to lend, and material loan terms must be reviewed by a Simply Approved Mortgages Loan Officer. Never share SSN/ITIN, date of birth, account numbers or passwords in chat. Residential mortgage loans are arranged in Florida and Colorado. Start My Approval.

Ask Sam AI provides general educational information only. It is an automated assistant, may be incomplete or out of date, and does not provide legal, tax or financial advice. Nothing it produces is a rate quote, APR, pre-approval, offer or commitment to lend. Never share a Social Security number, ITIN, date of birth, account number or password in chat. Simply Approved Mortgages LLC (NMLS #2620881) arranges residential mortgage loans in Florida and Colorado. Eligibility, terms, conditions and availability vary by borrower, property, lender, loan program and state, and all loans are subject to lender underwriting and approval. Equal Housing Opportunity.

Follow our reporting

Add Simply Approved Mortgages as a preferred source on Google

We update these guides as HUD, FHFA, VA, USDA and CFPB publish new figures. If you want our updates to show up more often when you search Google, you can mark us as a preferred source from the Top Stories carousel:

  1. 1Sign in to your Google account and search a mortgage topic such as "mortgage rates".
  2. 2Select the icon next to "Top stories" to open the preferred sources panel.
  3. 3Search for Simply Approved Mortgages, tick the box, and save.
Google's preferred sources help

Preferred sources is a Google Search feature controlled entirely by you and by Google. Simply Approved Mortgages LLC (NMLS #2620881) does not control search results and makes no representation about how or whether our content will appear. Educational content only — not a quote, lock, offer, or commitment to lend.

Local FHA hubs

FHA loans by state

FHA rules are federal, but limits, DPA programs, and property nuances are local. Jump to your state hub for county limits, local DPA layers, and a directory of every city and county.

State hub

FHA Loans in Colorado

FHA loan limits, DPA programs, and local guidance for every Colorado county and metro.

Open the Colorado FHA hub →

State hub

FHA Loans in Florida

FHA county limits, insurance considerations, and DPA options across Florida.

Open the Florida FHA hub →

FHA product library

Explore every FHA loan product and topic

Deep-dive references on each FHA program, insurance rule, waiting period, and qualifying calculator.

FHA Loans — Complete Guide

Every FHA program, requirement, and current rule in one place.

Read guide →

FHA 203(b) Purchase

The standard 3.5%-down FHA purchase loan.

Read guide →

FHA 203(k) Renovation

Buy + renovate in one FHA loan.

Read guide →

FHA Streamline Refinance

Faster refinance for existing FHA loans.

Read guide →

FHA Cash-Out Refinance

Tap equity up to 80% LTV.

Read guide →

FHA HECM Reverse Mortgage

HUD-insured reverse mortgage for age 62+.

Read guide →

FHA Mortgage Insurance

UFMIP, Annual MIP, and payoff timing.

Read guide →

FHA Appraisal Requirements

HUD MPR standards and what appraisers check.

Read guide →

FHA Gift Funds

Who can gift, documentation, and the paper trail.

Read guide →

FHA DTI Calculator

Run your ratios against FHA benchmarks.

Read guide →

FHA vs Conventional

Compare total cost by credit tier.

Read guide →

FHA Waiting Periods

BK, foreclosure, and short-sale timelines.

Read guide →

How this page connects

Where this fits in the FHA lending library

This page sits inside our FHA lending coverage.

What most readers open next

Explore the full guide

Keep reading — the rest of the buying playbook

Each of these is a deep-dive on one piece of the purchase mortgage process. Bookmark whichever you need next.

Guide

FHA Loans — Complete Guide

Every FHA program in one reference.

Read the guide →

Guide

FHA Loan Rates

Current FHA rate ranges and what moves them.

Read the guide →

Guide

Conforming Loan Limits

FHFA baseline and high-cost limits.

Read the guide →

Guide

FHA 203(b) Purchase

Standard purchase loan up to county limit.

Read the guide →

Guide

FHA Cash-Out Refinance

Same limits apply to cash-out.

Read the guide →

Guide

FHA vs Conventional

When the limit forces the program choice.

Read the guide →

Internal library

Related mortgage guides across our library

Follow the next relevant guide for your scenario.

FHA loans

FHA loan library

Calculators & references

Tools & data

Simplify Your Mortgage Journey with These Resources

Home Value Report
Check Your Credit
Mortgage Calculator
Home Affordability Calculator
Pay for my Credit Report
Mortgage Document Checklist
Down Payment Assistance
Native American Home Loans
FHA Loan Limits
See Today's Rates
Refinance Guide
Pre-Approval Request

Start My Approval

Complete this short request and a Simply Approved Mortgages Loan Officer will personally review your scenario. The form only asks what your program actually needs. Submitting it is not an application for credit and is not a commitment to lend.

FHA loan

Tell us about your scenario

The form below is tailored to FHA loan — only the questions and documents your program needs.

Step 1 of 2 · about 90 seconds
See your options — one short screen
Encrypted connection (HTTPS) NMLS# 2620881 Equal Housing Opportunity

Simply Approved Mortgages LLC is licensed to arrange residential mortgage loans in Florida and Colorado only. We ask first so we never collect a mortgage inquiry we are not licensed to act on.

FHA allows 3.5% down at 580+ FICO, or 10% down at 500–579 FICO.

What's your goal?
Purchase price$450,000
$
Down payment (10.0%)$45,000
$

A range is enough here — no credit report is pulled and your credit is not affected.

Estimated monthly payment at these numbers
$3,460

Illustrative estimate only — not a quote, rate lock, offer of credit, or commitment to lend.

Submitting this form is not an application for credit and is not a commitment to lend. No credit report is pulled at this step.

No obligation to apply Encrypted connection Verify NMLS# 2620881

Talk To A Simply Approved Mortgages Loan Officer

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Equal Housing OpportunityEqual Housing OpportunityMortgage Broker — Not a LenderNMLS ID# 2620881NMLS Consumer AccessFlorida Mortgage Broker License #MBR7685Colorado Mortgage Company Registration

Licensing & Disclosures

Simply Approved Mortgages LLC | NMLS #2620881

Florida Branch Office (Miami, FL) | Branch NMLS #2688012

Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration

Business Phone: (877) 813-7219

Equal Housing Opportunity

Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans with third-party wholesale lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado. Business-purpose mortgage products may be arranged in additional states only where permitted by applicable law and pursuant to applicable licensing requirements or exemptions.

Credit and program terms. All loans are subject to lender credit approval, underwriting, acceptable appraisal or valuation when required, title review, insurance, and supporting documentation. Eligibility, programs, rates, APRs, points, lender credits, fees, payments, terms, loan amounts, down-payment requirements, mortgage insurance, and availability may vary based on borrower, property, occupancy, credit profile, loan-to-value ratio, debt-to-income ratio, lender, loan program, and state and may change without notice. Not all applicants, properties, products, or programs will qualify or be available in every state. Nothing on this site constitutes a loan approval, rate lock, offer, commitment to lend, guarantee of approval, or guarantee of terms or closing.

Rates, payments and calculators. Rates, APRs, payments, down payments, loan amounts, home values, estimated equity, savings, affordability estimates, closing costs, and other calculator or scenario results displayed on this site are estimates or illustrations unless expressly stated otherwise. Actual loan terms may differ. Taxes, homeowners insurance, mortgage insurance, association dues, lender charges, broker compensation, discount points, third-party charges, and other costs may apply. Advertised rates, payments, APRs, down payments, and other credit terms are subject to the assumptions and disclosures presented with the applicable advertisement. Applicable loan terms and disclosures will be provided as required for the particular transaction.

Mortgage products. FHA, VA, USDA, conventional, jumbo, non-QM, HELOC, reverse mortgage, down-payment-assistance, investment-property, DSCR, and other mortgage products referenced on this site are subject to their individual eligibility, underwriting, property, occupancy, and program requirements. Product availability varies by lender and jurisdiction. References to a mortgage product or program do not constitute a determination that a borrower or property qualifies.

Government-backed programs. Government-backed or government-insured mortgage programs referenced on this site may be subject to requirements established by the applicable government agency in addition to lender requirements. Government insurance or guaranties generally protect participating lenders against certain losses and do not constitute a guarantee of borrower approval.

Business-purpose products. DSCR, investment-property, and other business-purpose mortgage products referenced on this site are intended for qualifying business-purpose transactions. Business-purpose loans may be subject to different requirements and protections than consumer-purpose residential mortgage loans. Borrowers are responsible for accurately disclosing property occupancy and intended use.

Down payment assistance. Down payment or closing-cost assistance programs referenced on this site may be administered by governmental entities, housing finance agencies, nonprofit organizations, lenders, or other third parties. Program availability, funding, assistance amounts, eligibility requirements, repayment or forgiveness provisions, and other terms vary and may change or become unavailable without notice. Listing or referencing a program does not guarantee funding, eligibility, or mortgage approval.

Government affiliation. Simply Approved Mortgages LLC is not a government agency and is not affiliated with, acting on behalf of, sponsored by, or endorsed by HUD, FHA, VA, USDA, or any other federal, state, or local government agency. References to government agencies, programs, benefits, data, forms, or resources are provided for informational purposes and do not imply government sponsorship or endorsement of Simply Approved Mortgages LLC.

Fair lending. Equal Housing Opportunity. Simply Approved Mortgages LLC conducts business in accordance with applicable federal and state fair-housing and equal-credit-opportunity laws and does not discriminate on any prohibited basis.

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Third-party content. References or links to government agencies, lenders, assistance programs, products, services, or other third-party websites are provided for informational purposes or convenience. Simply Approved Mortgages LLC does not control and is not responsible for third-party content, availability, accuracy, or privacy practices.

NMLS Consumer Access: Verify Simply Approved Mortgages LLC, NMLS #2620881.

Simply Approved Mortgages LLC, 633 W 5th St, Ste 2600, Los Angeles, CA 90071 · 877-813-7219 · support@simplyapprovedmortgages.com. State licensing details available at the NMLS Consumer Access link above. © 2026 Simply Approved Mortgages LLC.

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