PA FHA Loan Limits

Written by Anytime EstimateJune 24th, 20222 minute read

You might be surprised to know that there are no income or sales price limits with an FHA loan, however, there are loans limits.

The maximum FHA loan limits are set each year by Congress.

Below you will find the “base” FHA loan limits for the Pennsylvania counties. FHA loans that exceed 356,362 for a single-family home or condominium are called jumbo FHA loans.

County Name
One-Family
Two-Family
Three Family
Four Family
ADAMS
356,362
456,275
551,500
685,400
ALLEGHENY
356,362
456,275
551,500
685,400
ARMSTRONG
356,362
456,275
551,500
685,400
BEAVER
356,362
456,275
551,500
685,400
BEDFORD
356,362
456,275
551,500
685,400
BERKS
356,362
456,275
551,500
685,400
BLAIR
356,362
456,275
551,500
685,400
BRADFORD
356,362
456,275
551,500
685,400
BUCKS
431,250
552,050
667,350
829,350
BUTLER
356,362
456,275
551,500
685,400
CAMBRIA
356,362
456,275
551,500
685,400
CAMERON
356,362
456,275
551,500
685,400
CARBON
372,600
477,000
576,550
716,550
CENTRE
356,362
456,275
551,500
685,400
CHESTER
431,250
552,050
667,350
829,350
CLARION
356,362
456,275
551,500
685,400
CLEARFIELD
356,362
456,275
551,500
685,400
CLINTON
356,362
456,275
551,500
685,400
COLUMBIA
356,362
456,275
551,500
685,400
CRAWFORD
356,362
456,275
551,500
685,400
CUMBERLAND
356,362
456,275
551,500
685,400
DAUPHIN
356,362
456,275
551,500
685,400
DELAWARE
431,250
552,050
667,350
829,350
ELK
356,362
456,275
551,500
685,400
ERIE
356,362
456,275
551,500
685,400
FAYETTE
356,362
456,275
551,500
685,400
FOREST
356,362
456,275
551,500
685,400
FRANKLIN
356,362
456,275
551,500
685,400
FULTON
356,362
456,275
551,500
685,400
GREENE
356,362
456,275
551,500
685,400
HUNTINGDON
356,362
456,275
551,500
685,400
INDIANA
356,362
456,275
551,500
685,400
JEFFERSON
356,362
456,275
551,500
685,400
JUNIATA
356,362
456,275
551,500
685,400
LACKAWANNA
356,362
456,275
551,500
685,400
LANCASTER
356,362
456,275
551,500
685,400
LAWRENCE
356,362
456,275
551,500
685,400
LEBANON
356,362
456,275
551,500
685,400
LEHIGH
372,600
477,000
576,550
716,550
LUZERNE
356,362
456,275
551,500
685,400
LYCOMING
356,362
456,275
551,500
685,400
MCKEAN
356,362
456,275
551,500
685,400
MERCER
356,362
456,275
551,500
685,400
MIFFLIN
356,362
456,275
551,500
685,400
MONROE
356,362
456,275
551,500
685,400
MONTGOMERY
431,250
552,050
667,350
829,350
MONTOUR
356,362
456,275
551,500
685,400
NORTHAMPTON
372,600
477,000
576,550
716,550
NORTHUMBERLAND
356,362
456,275
551,500
685,400
PERRY
356,362
456,275
551,500
685,400
PHILADELPHIA
431,250
552,050
667,350
829,350
PIKE
822,375
1,053,000
1,272,750
1,581,750
POTTER
356,362
456,275
551,500
685,400
SCHUYLKILL
356,362
456,275
551,500
685,400
SNYDER
356,362
456,275
551,500
685,400
SOMERSET
356,362
456,275
551,500
685,400
SULLIVAN
356,362
456,275
551,500
685,400
SUSQUEHANNA
356,362
456,275
551,500
685,400
TIOGA
356,362
456,275
551,500
685,400
UNION
356,362
456,275
551,500
685,400
VENANGO
356,362
456,275
551,500
685,400
WARREN
356,362
456,275
551,500
685,400
WASHINGTON
356,362
456,275
551,500
685,400
WAYNE
356,362
456,275
551,500
685,400
WESTMORELAND
356,362
456,275
551,500
685,400
WYOMING
356,362
456,275
551,500
685,400
YORK
356,362
456,275
551,500
685,400

The FHA funding fee can be added to the listed amounts. The minimum down payment with an FHA home loan is currently 3.5%. The down payment and upfront FHA funding fee has changed several times over the last few years. In addition to the upfront mortgage insurance premium, FHA loans also require a monthly mortgage insurance premium (mip). Read more

2021 FHA high cost county limits

The high cost county list contains the US counties that are greater than $822,375 (2021).

2021 FHA loan limits in high cost counties (PDF)
2020 FHA loan limits in high cost counties (PDF)
2019 FHA loan limits in high cost counties (PDF)
2018 FHA loan limits in high cost counties (PDF)
2017 FHA loan limits in high cost counties (PDF)
2016 FHA loan limits in high cost counties (PDF)
2015 FHA loan limits in high cost counties (PDF)

2021 FHA lower cost county limits

The lower cost county list contains the US counties that are 356,362 (typical limit for a one unit or single-family residence).

2021 FHA loan limits below the high cost counties (PDF)
2020 FHA loan limits below the high cost counties (PDF)
2019 FHA loan limits below the high cost counties (PDF)
2018 FHA loan limits in lower cost counties (PDF)
2017 FHA loan limits in lower cost counties (PDF)
2016 FHA loan limits in lower cost counties (PDF)
2015 FHA loan limits in lower cost counties (PDF)
2016 FHA County Loan Limit Increases (PDF)

A single-family home (or condominium) would represent one unit, two family would be a duplex, three family would be a triplex and four unit building. FHA home buyers. Last Revised - 1/2021


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