FHA Loan Limits Increased for 2026!

Exciting news! Effective January 1, 2026, FHA Loan Limits for single-unit properties will increase to $541,287 in most areas, and up to $1,249,125 in some high-cost areas. These new loan limits could help more individuals qualify for a home loan and enjoy all the benefits of homeownership! FHA is a great option for many people, and here’s why:

Credit Qualifications

Sometimes, life gets in the way of having perfect credit. If you find yourself in this boat, don’t fret! FHA credit qualifications are typically more relaxed than other loan programs. If you have a credit score of 580 or more, you could potentially qualify for an FHA loan.

Low Down Payment Minimum

It's the myth that won't go away. Many Americans STILL believe they need at least 20% to buy a home. Well, we’re here to tell you that’s not the case! With an FHA loan, you could put as little as 3.5% down. That means you could get a home quicker, without having to wait to save 20% down.

Bottom line, FHA loans are great for all types of individuals, couples, & families. If you’re interested in learning more about how to qualify for an FHA loan, contact a Castle & Cooke Mortgage loan officer today!

Sources: https://www.hud.gov/news/hud-no-25-145 & https://www.nerdwallet.com/mortgages/studies/data-down-payment