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FHA Loan Limits For 2012

The Federal Housing Administration has posted its maximum loan limits for FHA loans as a downloadable PDF. The loan limits are effective between October 1, 2011 to December 31, 2012.

But the official announcement of the 2012 FHA loan limits requires a bit of additional reading for some borrowers who applied or will apply for an FHA loan between certain dates prior to the new year.

According to HUD Mortgagee Letter 2011-39, for forward mortgages (new purchase FHA home loans, for example, as opposed to reverse mortgages or HECM loans) issued between November 18, 2011 through December 31, 2011,

“The Forward loan limits (floor, ceiling and county loan limits) that were in effect from January 1, 2011 through September 30, 2011, as announced in ML 10-40, shall apply for case numbers assigned from November 18, 2011 through December 31, 2011.”

The FHA mortgagee letter also states for all loans between January 1, 2012 through
December 31, 2012, “The FHA Floor and Ceiling loan limits will remain the same as those that were in effect from January 1, 2011 through September 30, 2011,
as announced in ML 10-40. The individual county loan limits contained in Attachments I and II of this Mortgagee Letter will be in effect.”

You can read about those limits by viewing FHA Mortgagee Letter 2011-39 at the FHA official site.

Joe Wallace - Staff Writer

By Joe Wallace

December 27, 2011

Joe Wallace has been specializing in military and personal finance topics since 1995. His work has appeared on Air Force Television News, The Pentagon Channel, ABC and a variety of print and online publications. He is a 13-year Air Force veteran and a member of the Air Force Public Affairs Alumni Association. He was Managing editor for for (8) years and is currently the Associate Editor for

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About was launched in 2010 by seasoned mortgage professionals wanting to educate homebuyers about the guidelines for FHA insured mortgage loans. Popular FHA topics include credit requirements, FHA loan limits, mortgage insurance premiums, closing costs and many more. The authors have written thousands of blogs specific to FHA mortgages and the site has substantially increased readership over the years and has become known for its “FHA News and Views”.

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