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FHFA Announces Higher Loan Limits for 2022

FHFA Announces Higher Loan Limits for 2022

As the result of a higher average U.S. home price in 2021, the Federal Housing Finance Agency (FHFA) has announced new, higher maximum conforming loan limits for 2022.

In most areas of the country, the 2022 maximum loan amount for one-unit properties will be $647,200, an increase from $548,250 in 2021.  In high-cost areas, the new maximum high balance loan limit is $970,800. And the new FHA loan limit has increased to $420,680.

Loan limits may vary by county. Click here for a list and map of maximum loan limits for all counties and county-equivalent areas in the U.S.

 

2022 Conforming Loan Limit Sample:

   2022 Conforming Loan Limit   

   Purchase Price   

   Down Payment Amount   

$647,200

$667,216

3%

$647,200

$809,000

20%

 

2022 High Balance Loan Limit Sample:

   2022 High Balance Loan Limit   

   Purchase Price    

   Down Payment Amount   

$970,800

$1,021,894

5%

$970,800

$1,213,500

20%

 

Contact your mortgage consultant directly if you have questions on local limits or other home financing options.

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