New loan limits for FHA and conforming loans have increased in 2025. The Federal Housing Administration has increased FHA loan limits to $524,225 in 2025, up from $498,257 in 2024. The Federal Housing Finance Agency has announced that the new conforming loan limit for 2025 is $806,500, an increase from $766,550 in 2024.
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These loan limits apply to single-unit properties in most areas. Because real estate values can vary significantly based on location, loan limits may be increased for higher cost of living areas. This increase provide buyers with more flexibility in their home search, allowing them to find the location that best suits their preferences.
Increased loan limits also make larger loans more accessible, assisting homeowners whose loans were once considered “JUMBO,” or above the previous conforming loan limit, to refinance their mortgage for a lower rate and possibly even qualify to eliminate their mortgage insurance.
How Does This Impact Your Purchasing Power?
“Homebuyers can take advantage of higher loan limits, helping them to buy a home sooner than they thought possible,” says Acrisure Mortgage Area Manager Jared Varitek. “By leveraging these increased limits, aspiring homebuyers can maximize their buying potential and make their dream home a reality.”
To read the Federal Housing Finance Agency’s announcement, click here. For FHA’s announcement, click here.
Effective immediately, Acrisure Mortgage’s loan programs will be updated to align with the new loan limits.
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Connect with one of our loan officers in your area today.
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About Acrisure Mortgage
Acrisure Mortgage (formerly FBC Mortgage, LLC) is a Top 10 national mortgage lender headquartered in Orlando, Florida. Licensed in 49 states and supported by more than 19,000 dedicated professionals across Acrisure, we specialize in residential mortgage lending through both retail and wholesale/correspondent channels. Our comprehensive offerings include purchase, refinance, construction and renovation loans—tailored to meet the unique needs of homebuyers, homeowners and partners nationwide.
We are proud to serve as a trusted partner to many of the nation’s largest homebuilders and real estate professionals, with a strong foundation of loyal, satisfied clients. Recognized for our commitment to service, innovation and operational excellence, Acrisure Mortgage has received numerous national accolades, including Top 50 Mortgage Companies, Best in Loan Delivery and Best Place to Work honors.
As part of the Acrisure family, we are backed by a global fintech leader that shares our values of innovation, integrity and service. Together, this empowers us to expand our capabilities, leverage world-class technology and resources, and grow alongside the clients and communities we serve.
All information presented is for educational purposes only and not intended as financial advice. NMLS ID#152859 EHL ©2025.
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