The U.S. Department of Housing and Urban Development (HUD) recently announced the 2025 loan limits for FHA insured forward mortgage loans and FHA insured Home Equity Conversion Mortgages (HECMs). The announcements were made in Mortgagee Letter 2024-21 and Mortgagee Letter 2024-22, respectively.
For forward mortgage loans in non-high cost areas, the amount for a single unit home increased from $498,257 in 2024 to $524,225 in 2025. In high cost areas, the amount for a single unit home increased from $1,149,825 in 2024 to $1,209,750 in 2025. In Alaska, Guam, Hawaii and the U.S. Virgin Islands, the amount for a single unit home increased from $1,724,725 in 2024 to $1,814,625 for 2025. For HECMS, the maximum claim amount for all areas increased from $1,149,825 in 2024 to $1,209,750 in 2025.
Each Mortgagee Letter includes a link to a HUD website that can be used to find the applicable limit for specific areas nationwide.
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