PA FHA Loan Limits 2024

Woman holding a FHA limits sign Are you looking to purchase a home in Pennsylvania with the help of an FHA loan? Understanding the FHA loan limits in Pennsylvania is crucial for your home buying process. In this article, we will delve into the specifics of FHA loan limits in Pennsylvania and how they can impact your home buying journey. Stay tuned for valuable information on this topic.

2024 FHA Loan Limits for Pennsylvania Counties

  • One Family is a single-family home or condominium
  • Two Family is a single-family home or condominium
  • Three Family is a single-family home or condominium
  • Four Family is a single-family home or condominium

One-Family Two-Family Three-Family Four-Family
Adams $498,257 $637,950 $771,125 $958,350
Allegheny $498,257 $637,950 $771,125 $958,350
Armstrong $498,257 $637,950 $771,125 $958,350
Beaver $498,257 $637,950 $771,125 $958,350
Bedford $498,257 $637,950 $771,125 $958,350
Berks $498,257 $637,950 $771,125 $958,350
Blair $498,257 $637,950 $771,125 $958,350
Bradford $498,257 $637,950 $771,125 $958,350
Bucks $557,750 $714,000 $863,100 $1,072,600
Butler $498,257 $637,950 $771,125 $958,350
Cambria $498,257 $637,950 $771,125 $958,350
Cameron $498,257 $637,950 $771,125 $958,350
Carbon $498,257 $637,950 $771,125 $958,350
Centre $498,257 $637,950 $771,125 $958,350
Chester $557,750 $714,000 $863,100 $1,072,600
Clarion $498,257 $637,950 $771,125 $958,350
Clearfield $498,257 $637,950 $771,125 $958,350
Clinton $498,257 $637,950 $771,125 $958,350
Columbia $498,257 $637,950 $771,125 $958,350
Crawford $498,257 $637,950 $771,125 $958,350
Cumberland $498,257 $637,950 $771,125 $958,350
Dauphin $498,257 $637,950 $771,125 $958,350
Delaware $557,750 $714,000 $863,100 $1,072,600
Elk $498,257 $637,950 $771,125 $958,350
Erie $498,257 $637,950 $771,125 $958,350
Fayette $498,257 $637,950 $771,125 $958,350
Forest $498,257 $637,950 $771,125 $958,350
Franklin $498,257 $637,950 $771,125 $958,350
Fulton $498,257 $637,950 $771,125 $958,350
Greene $498,257 $637,950 $771,125 $958,350
Huntingdon $498,257 $637,950 $771,125 $958,350
Indiana $498,257 $637,950 $771,125 $958,350
Jefferson $498,257 $637,950 $771,125 $958,350
Juniata $498,257 $637,950 $771,125 $958,350
Lackawanna $498,257 $637,950 $771,125 $958,350
Lancaster $498,257 $637,950 $771,125 $958,350
Lawrence $498,257 $637,950 $771,125 $958,350
Lebanon $498,257 $637,950 $771,125 $958,350
Lehigh $498,257 $637,950 $771,125 $958,350
Luzerne $498,257 $637,950 $771,125 $958,350
Lycoming $498,257 $637,950 $771,125 $958,350
Mckean $498,257 $637,950 $771,125 $958,350
Mercer $498,257 $637,950 $771,125 $958,350
Mifflin $498,257 $637,950 $771,125 $958,350
Monroe $498,257 $637,950 $771,125 $958,350
Montgomery $557,750 $714,000 $863,100 $1,072,600
Montour $498,257 $637,950 $771,125 $958,350
Northampton $498,257 $637,950 $771,125 $958,350
Northumberland $498,257 $637,950 $771,125 $958,350
Perry $498,257 $637,950 $771,125 $958,350
Philadelphia $557,750 $714,000$863,100 $1,072,600
Pike $1,149,825 $1,472,250 $1,779,525 $2,211,600
Potter $498,257 $637,950 $771,125 $958,350
Schuylkill $498,257 $637,950 $771,125 $958,350
Snyder $498,257 $637,950$771,125 $958,350
Somerset $498,257 $637,950 $771,125 $958,350
Sullivan $498,257 $637,950$771,125 $958,350
Susquehanna $498,257 $637,950 $771,125 $958,350
Tioga $498,257 $637,950 $771,125 $958,350
Union $498,257 $637,950$771,125 $958,350
Venango $498,257 $637,950$771,125 $958,350
Warren $498,257 $637,950 $771,125 $958,350
Washington $498,257 $637,950 $771,125 $958,350
Wayne $498,257 $637,950 $771,125 $958,350
Westmoreland $498,257 $637,950 $771,125 $958,350
Wyoming $498,257 $637,950 $771,125 $958,350
York $498,257 $637,950 $771,125 $958,350

Rotating question markFAQs About FHA Loans


FAQ 1: What is the FHA Max Loan Amount?

Answer: FHA loan limits are the maximum loan amounts that the Federal Housing Administration (FHA) is willing to insure for homebuyers in a particular area. These limits vary by location and are influenced by factors such as local housing market conditions.

FAQ 2: How are FHA loan limits determined?

Answer: FHA loan limits are determined based on the median home prices in a given area. The Department of Housing and Urban Development (HUD) sets these limits to ensure that FHA loans remain accessible to a broad range of homebuyers while considering regional differences in housing costs.

FAQ 3: Do FHA loan limits change annually?

Answer: Yes, FHA loan limits are subject to change on an annual basis. HUD reviews and adjusts the limits to reflect changes in home prices. It's important for homebuyers to stay informed about the current FHA loan limits in their desired location when considering an FHA-insured loan.

FAQ 4: Can borrowers exceed FHA loan limits?

Answer: While FHA loan limits serve as a guideline, borrowers may still qualify for an FHA loan even if the loan amount exceeds the established limit. However, exceeding the limit may require a larger down payment. Borrowers should consult with lenders and consider other loan options if their financing needs surpass FHA limits. See FHA jumbo loans

Conclusion: FHA Loan Limits Pennsylvania

In conclusion, being well-informed about the FHA loan limits in Pennsylvania is essential for prospective homebuyers seeking to utilize this financing option. By understanding these limits, individuals can accurately assess their purchasing power and navigate the real estate market with confidence. Whether you are a first-time buyer or looking to upgrade to a new property, knowing the FHA loan limits will help streamline your home buying process.

Stay informed and proactive in your research to make informed decisions that align with your financial goals. Take the time to explore the FHA loan options available to you in Pennsylvania and embark on your home buying journey equipped with knowledge and insight.

SOURCE:
U.S. Department of Housing and Urban Development

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Home Buying 101: Essential Resources for First-Time Buyers 
Home Buying Tips for First Time Buyers

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