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2012 Conforming and FHA Loan Limits
One-unit limits for the mainland U.S., by state and county
- Conforming limit, 2012
- $417,000
- +0.0% from 2011
- Conforming high-cost ceiling
- $625,500
- One-unit home, mainland U.S.
HUD's FHA limits for 2012 are still being loaded.
Loan limits by year, 2009 to 2026
One-unit baseline conforming limit and FHA floor, mainland U.S.
Show as a table
| Period | Conforming, baseline |
|---|---|
| 2026 | $832,750 |
| 2025 | $806,500 |
| 2024 | $766,550 |
| 2023 | $726,200 |
| 2022 | $647,200 |
| 2021 | $548,250 |
| 2020 | $510,400 |
| 2019 | $484,350 |
| 2018 | $453,100 |
| 2017 | $424,100 |
| 2016 | $417,000 |
| 2015 | $417,000 |
| 2014 | $417,000 |
| 2013 | $417,000 |
| 2012 | $417,000 |
Beta
2012 loan limits by state
One-unit limits. Ranges cover the counties in each state.
Swipe the table sideways to see more columns.
| State | Conforming | FHA | High-cost counties |
|---|---|---|---|
| Alabama | $417,000 | Not published | 0 |
| Alaska | $625,500 | Not published | 28 |
| Arizona | $417,000 | Not published | 0 |
| Arkansas | $417,000 | Not published | 0 |
| California | $417,000 to $625,500 | Not published | 24 |
| Colorado | $417,000 to $625,500 | Not published | 8 |
| Connecticut | $417,000 | Not published | 0 |
| Delaware | $417,000 | Not published | 0 |
| District of Columbia | $625,500 | Not published | 1 |
| Florida | $417,000 to $529,000 | Not published | 2 |
| Georgia | $417,000 to $515,200 | Not published | 1 |
| Hawaii | $625,500 to $721,050 | Not published | 5 |
| Idaho | $417,000 to $625,500 | Not published | 2 |
| Illinois | $417,000 | Not published | 0 |
| Indiana | $417,000 | Not published | 0 |
| Iowa | $417,000 | Not published | 0 |
| Kansas | $417,000 | Not published | 0 |
| Kentucky | $417,000 | Not published | 0 |
| Louisiana | $417,000 | Not published | 0 |
| Maine | $417,000 | Not published | 0 |
| Maryland | $417,000 to $625,500 | Not published | 12 |
| Massachusetts | $417,000 to $625,500 | Not published | 8 |
| Michigan | $417,000 | Not published | 0 |
| Minnesota | $417,000 | Not published | 0 |
| Mississippi | $417,000 | Not published | 0 |
| Missouri | $417,000 | Not published | 0 |
| Montana | $417,000 | Not published | 0 |
| Nebraska | $417,000 | Not published | 0 |
| Nevada | $417,000 | Not published | 0 |
| New Hampshire | $417,000 to $465,750 | Not published | 2 |
| New Jersey | $417,000 to $625,500 | Not published | 12 |
| New Mexico | $417,000 | Not published | 0 |
| New York | $417,000 to $625,500 | Not published | 10 |
| North Carolina | $417,000 to $625,500 | Not published | 5 |
| North Dakota | $417,000 | Not published | 0 |
| Ohio | $417,000 | Not published | 0 |
| Oklahoma | $417,000 | Not published | 0 |
| Oregon | $417,000 | Not published | 0 |
| Pennsylvania | $417,000 to $625,500 | Not published | 1 |
| Rhode Island | $426,650 | Not published | 5 |
| South Carolina | $417,000 | Not published | 0 |
| South Dakota | $417,000 | Not published | 0 |
| Tennessee | $417,000 | Not published | 0 |
| Texas | $417,000 | Not published | 0 |
| Utah | $417,000 to $600,300 | Not published | 3 |
| Vermont | $417,000 | Not published | 0 |
| Virginia | $417,000 to $625,500 | Not published | 56 |
| Washington | $417,000 to $506,000 | Not published | 4 |
| West Virginia | $417,000 to $625,500 | Not published | 1 |
| Wisconsin | $417,000 | Not published | 0 |
| Wyoming | $417,000 to $625,500 | Not published | 1 |
| Puerto Rico | $417,000 | Not published | 0 |
| U.S. Virgin Islands | $625,500 | Not published | 3 |
| Guam | $625,500 | Not published | 1 |
| Northern Mariana Islands | $417,000 to $532,450 | Not published | 3 |
| American Samoa | $417,000 | Not published | 0 |
Frequently asked questions
- What is the 2012 conforming loan limit?
- For 2012, the conforming loan limit for a one-unit home is $417,000 in most U.S. counties and up to $625,500 in high-cost areas of the mainland. That is +0.0% from 2011.
- How are FHA limits tied to conforming limits?
- By law, the FHA floor for a one-unit home is 65% of the national conforming loan limit and the high-cost ceiling is 150% of it. Between those, each county's limit is 115% of its median home price.