{
  "id": "fha-limits",
  "title": "FHA Loan Limits and Premiums",
  "description": "FHA loan limits, MIP rates and down payment minimums.",
  "version": "1.0.0",
  "lastUpdated": "August 2026",
  "dataAsOf": "2025",
  "source": "U.S. Department of Housing and Urban Development",
  "sourceUrl": "https://www.hud.gov/program_offices/housing/sfh/lender/origination/mortgage_limits",
  "license": {
    "id": "CC-BY-4.0",
    "name": "Creative Commons Attribution 4.0 International",
    "url": "https://creativecommons.org/licenses/by/4.0/",
    "summary": "Free to use, share and adapt, including commercially, provided the source is credited."
  },
  "attribution": "US Mortgage Calculator (https://www.usmortgagecalc.com), CC-BY-4.0",
  "canonicalUrl": "https://www.usmortgagecalc.com/datasets",
  "rowCount": 8,
  "rows": [
    {
      "key": "fha_floor",
      "description": "FHA loan limit floor — 65% of the conforming limit, applied in low-cost counties",
      "value": 524225,
      "unit": "usd",
      "asOf": "2025",
      "source": "U.S. Department of Housing and Urban Development",
      "sourceUrl": "https://www.hud.gov/program_offices/housing/sfh/lender/origination/mortgage_limits"
    },
    {
      "key": "fha_ceiling",
      "description": "FHA loan limit ceiling — 150% of the conforming limit, applied in high-cost counties",
      "value": 1209750,
      "unit": "usd",
      "asOf": "2025",
      "source": "U.S. Department of Housing and Urban Development",
      "sourceUrl": "https://www.hud.gov/program_offices/housing/sfh/lender/origination/mortgage_limits"
    },
    {
      "key": "fha_upfront_mip",
      "description": "Upfront mortgage insurance premium, percent of the base loan amount",
      "value": 1.75,
      "unit": "percent",
      "asOf": "2025",
      "source": "U.S. Department of Housing and Urban Development",
      "sourceUrl": "https://www.hud.gov/program_offices/housing/sfh/lender/origination/mortgage_limits"
    },
    {
      "key": "fha_annual_mip",
      "description": "Annual mortgage insurance premium, percent of the loan balance, collected monthly",
      "value": 0.55,
      "unit": "percent",
      "asOf": "2025",
      "source": "U.S. Department of Housing and Urban Development",
      "sourceUrl": "https://www.hud.gov/program_offices/housing/sfh/lender/origination/mortgage_limits"
    },
    {
      "key": "fha_min_down_580_plus",
      "description": "Minimum down payment with a credit score of 580 or above",
      "value": 3.5,
      "unit": "percent",
      "asOf": "2025",
      "source": "U.S. Department of Housing and Urban Development",
      "sourceUrl": "https://www.hud.gov/program_offices/housing/sfh/lender/origination/mortgage_limits"
    },
    {
      "key": "fha_min_down_500_to_579",
      "description": "Minimum down payment with a credit score between 500 and 579",
      "value": 10,
      "unit": "percent",
      "asOf": "2025",
      "source": "U.S. Department of Housing and Urban Development",
      "sourceUrl": "https://www.hud.gov/program_offices/housing/sfh/lender/origination/mortgage_limits"
    },
    {
      "key": "fha_mip_cancellation_down_payment",
      "description": "Down payment at or above which annual MIP ends after a fixed term rather than lasting the life of the loan",
      "value": 10,
      "unit": "percent",
      "asOf": "2025",
      "source": "U.S. Department of Housing and Urban Development",
      "sourceUrl": "https://www.hud.gov/program_offices/housing/sfh/lender/origination/mortgage_limits"
    },
    {
      "key": "fha_mip_years_when_ten_percent_down",
      "description": "Years of annual MIP when the down payment is 10% or more",
      "value": 11,
      "unit": "years",
      "asOf": "2025",
      "source": "U.S. Department of Housing and Urban Development",
      "sourceUrl": "https://www.hud.gov/program_offices/housing/sfh/lender/origination/mortgage_limits"
    }
  ]
}