What are 2025 FHA, VA, Conventional, and USDA Loan Limits in Florida, Texas, Tennessee, and Alabama?
What are 2025 FHA, VA, Conventional, and USDA Loan Limits in Florida, Texas, Tennessee, and Alabama?
In case you haven’t heard, the 2025 FHA, VA, Conventional, and USDA Loan Limits in Florida, Texas, Tennessee, and Alabama have all increased! It is also important to mention that not all loan programs have the same mortgage loan limits.
In today’s short video, we will quickly review the 2025 FHA, VA, Conventional, and USDA Loan Limits along with providing a breakdown of the recent improvements.
And if you have not yet done so, take advantage and download our FREE Loan Comparison Chart with the link below. It is a great education resources that compares each loan program side-by-side and is contained in one simple chart –Download it now!
What is a Maximum Mortgage Loan Limit?
As a starting point, a mortgage loan limit is the maximum amount a home buyer can borrow under a specific mortgage program. FHA, VA, Conventional, and USDA Loan Limits apply to the loan amount and not the sales price. Now, let’s quickly review each program one by one:
What are the 2025 FHA, VA, Conventional, and USDA Loan Limits?
Here’s a fun fact: USDA loans don’t have a set loan limit! Instead, the USDA loan limit is determined by the borrower’s qualifying income. Since there’s no predefined maximum loan amount, there’s also NO maximum USDA sales price —making them a highly flexible no-down-payment option.
Thankfully, USDA income limits also recently increased. This USDA income limit increase provides homebuyers with the ability to raise their budget and qualify for higher priced homes, further enhancing this program’s appeal. USDA no down payment loans continue to be sought after for their flexible and affordable financing !
What are the 2025 VA Loan Limits in Florida, Alabama, Tennessee, and Texas?
Maximum VA loan limits depend on whether or not you have used your full entitlement.
VA full entitlement means that either you have never used your VA home loan benefit or have used it, and paid the previous VA loan in full (including after a bankruptcy, foreclosure, or a short sale.) In these cases, there is no maximum VA mortgage loan limit!
On the other hand, if you have used some of your entitlement, but have funds remaining, your VA home loan limit is now the same as the Federal Housing Finance Agency (FHFA). Meaning, they are based on the county loan limit where the property resides.
Calculating 2025 Maximum VA Loan Amounts in Florida, Alabama, Tennessee, and Texas can be complicated, so if you have any questions just call, text, or email so the Metroplex team can go to work for you!
What are the 2025 Conventional Loan Limits for Florida, Texas, Tennessee, and Alabama?
Conventional loan limits (Fannie Mae and Freddie Mac) are established by the FHFA (Federal Housing Finance Agency) and ultimately can vary based on the county. With that being said, the FHFA recently announced updated conventional loan limits for 2025.
Previously, the 2024 general loan limit was $766,500. Now in 2025, the baseline conventional loan limit has increased to $806,500.
Although this resulted in a substantial increase for a 1-unit property, this number can increase even more for those areas which are considered “high-cost”.
What are the 2025 Maximum FHA Loan Limits in Florida, Alabama, Tennessee, and Texas?
On November 26, 2024, FHA announced that it would increase FHA loan limits in 2025. These new maximum FHA loan amounts for calendar year 2025 are effective for case numbers assigned on or after January 1, 2025.
Overall, the maximum FHA standard low-cost area mortgage loan limit for a one-unit property has increased from $498,257in 2024 to $524,225 in 2025! Additionally, the respective loan amounts for two, three, and four unit properties that are eligible for FHA financing were also increased as follows:
- Two-unit property: $671,200
- Three-unit property: $811,275
- Four-unit property: $1,008,300
Further, for those properties located in high-cost areas, they allow for even higher maximum FHA mortgage loan limits!
Why Mortgage Loan Limits Matter
Whether it’s the FHA loan limit, Conventional loan limit, USDA loan limit, or VA loan max loan amount, knowing these figures can help you set realistic home-buying goals. Each program’s flexibility and borrowing power vary, so let our expertise guide you to the best option for your needs.
Contact Us Today!
Navigating 2025 FHA, VA, USDA, and Conventional loan limits doesn’t have to be overwhelming. Our team is here to answer your questions and make the process seamless.
Whether it be USDA, VA, FHA, or Conventional, simply call, text, or email to discuss your scenario and let us show you the “Metroplex” difference!
Call/Text: (863) 593-2001
(800)806-9836 Ext. 280
SeanS@MPLX.org
I want everyone to make it a great day and look forward to seeing you right here for the next tip of the week!
