{"id":2991,"date":"2018-12-27T13:17:06","date_gmt":"2018-12-27T18:17:06","guid":{"rendered":"https:\/\/riverbankfinance.com\/blog\/?p=2991"},"modified":"2020-04-28T16:16:02","modified_gmt":"2020-04-28T21:16:02","slug":"2020-fha-loan-limits","status":"publish","type":"post","link":"https:\/\/riverbankfinance.com\/blog\/2020-fha-loan-limits\/","title":{"rendered":"2020 FHA Loan Limits"},"content":{"rendered":"\n<div class=\"wp-block-cover has-background-dim\" style=\"background-image:url(https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2018\/12\/house-1158139_1920.jpg)\"><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-large-font-size wp-block-paragraph\">FHA Loan Limits for 2020<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">FHA Loan Limits Increased for 2020<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">On December 3, 2019, FHA issued\u00a0<strong><a href=\"https:\/\/www.hud.gov\/sites\/dfiles\/OCHCO\/documents\/19-19hsgml.pdf\" class=\"aioseop-link\">Mortgagee Letter 19-19<\/a><\/strong> to increase the FHA Loan Limits for new case numbers assigned on or after January 1, 2020. The <a href=\"https:\/\/riverbankfinance.com\/mortgage-programs\/fha-mortgage.html\" class=\"aioseop-link\">FHA loan limits<\/a> have increased from 2019 FHA loan limits of $314,827 to the new floor of $331,760 for 1 UNIT properties.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Related<\/strong>: See our <a href=\"https:\/\/riverbankfinance.com\/fha-mortgage-payment-calculator.html\">FHA Mortgage Payment Calculator<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FHA&#8217;s nationwide forward mortgage limit &#8220;floor&#8221; and &#8220;ceiling&#8221; for a one-unit property in Calendar Year 2020 are $331,760 and $765,600, respectively. The loan limits in Michigan are based on the number of units of the residence. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2020 Loan Limits Now Available: <\/strong> <a href=\"https:\/\/riverbankfinance.com\/blog\/new-maximum-conforming-loan-limits-for-2020\/\" class=\"aioseop-link\">2020 Conforming Loan Limits<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2020 FHA Loan and Conventional Loan Limits<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>MICHIGAN&nbsp;LOAN&nbsp;LIMITS<\/strong><\/td><td><strong>FHA<\/strong><\/td><td><strong>CONVENTIONAL<\/strong><\/td><\/tr><tr><td><strong>1 UNIT<\/strong><\/td><td>$331,760<\/td><td>$510,400<\/td><\/tr><tr><td><strong>2 UNIT<\/strong><\/td><td>$424,800<\/td><td>$653,550<\/td><\/tr><tr><td><strong>3 UNIT<\/strong><\/td><td>$513,450<\/td><td>$789,950<\/td><\/tr><tr><td><strong>4 UNIT<\/strong><\/td><td>$638,100<\/td><td>$981,700<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Michigan FHA Loan Limits<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Michigan does not have any high cost areas therefore the limits for FHA Loans and <a href=\"https:\/\/riverbankfinance.com\/mortgage-programs\/conventional-mortgage.html\">Conventional Loans<\/a> are the floor limits. FHA Loan limit in Michigan is  $331,760. Conventional Loan Limits in Michigan is $$510,400.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Michigan VA Loan Limits<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/riverbankfinance.com\/mortgage-programs\/va-loan.html\">VA loans in Michigan<\/a> use the Conventional Loan limits of $510,400 set for 2020. All VA loans use the same conventional loan limits which are higher than FHA loan limits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Michigan USDA Loan Limits<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/riverbankfinance.com\/mortgage-programs\/usda-rural-housing-mortgage.html\">USDA Loans in Michigan<\/a> are set at the Conventional Loan limits of $510,400 for 2020 as well. All USDA Loans use the same conventional loan limits which are higher than FHA loan limits and allow for more purchasing power.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">For More Information on FHA Loan Limits<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Give us a call today at 800-555-2098 or request information below!<\/p>\n\n\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f185-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"185\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/2991#wpcf7-f185-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"185\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f185-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"application_form\">\n\t<div class=\"block_top\" id=\"apply_form\">\n\t<\/div>\n\t<div class=\"spacer_top\">\n\t<\/div>\n\t<div class=\"ApplyFullHeader\">\n\t\t<p class=\"replaceheader\">Request Home Loan Information Now!\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"blueBox\">\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Name (required)\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Email (required)\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone:\" value=\"\" type=\"text\" name=\"your-phone\" \/><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-goal\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"your-goal\"><option value=\"Purchase\">Purchase<\/option><option value=\"Refinance\">Refinance<\/option><option value=\"Cash Out\">Cash Out<\/option><option value=\"More Information\">More Information<\/option><\/select><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Your Message:\" name=\"your-message\"><\/textarea><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"referer-page\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text referer-page\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"referer-page\" \/><\/span><br \/>\n\t\t\n\t\t<\/p>\n\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner submit\" type=\"submit\" value=\"Submit Now!\" \/>\n\t\t<\/p>\n\t<\/div>\n\t<div style=\"text-align: justify; color:#666666;font-size: small;\">\n\t\t<p>By clicking \"Submit Now!\", you consent to receive calls and texts at the number you provided, including marketing by autodialer and prerecorded and artificial voice, and email, from Riverbank Finance LLC about your inquiry and other home-related matters, but not as a condition of any purchase; this applies regardless of whether you check, or leave un-checked, any box above. You also agree to our Privacy Policy and Terms of Use regarding the information relating to you. Msg\/data rates may apply. This consent applies even if you are on a corporate, state or national Do Not Call list. This no obligation inquiry does not constitute a mortgage application. To apply now or get immediate assistance, call us at 1-800-555-2098.\n\t\t<\/p>\n\t<\/div>\n<\/div><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"214\"\/><script>\ndocument.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );\n<\/script>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n\n\n\n<p class=\"wp-block-paragraph\">Select the links below for additional mortgage limits guidance for forward mortgages:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/entp.hud.gov\/idapp\/html\/hicostlook.cfm\">FHA Mortgage Limits Search<\/a><\/li><li><a href=\"https:\/\/www.hud.gov\/sites\/dfiles\/Housing\/documents\/2019areasatceiling.pdf\">Areas at Ceiling<\/a><\/li><li><a href=\"https:\/\/www.hud.gov\/sites\/dfiles\/Housing\/documents\/2019betweenfloorceiling.pdf\">Areas Between Floor and Ceiling<\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For Calendar Year 2020, the HECM maximum nationwide claim amount will be $765,600 for all areas. Refer to\u00a0<strong><a href=\"https:\/\/www.hud.gov\/sites\/dfiles\/OCHCO\/documents\/19-20hsgml.pdf\" class=\"aioseop-link\">Mortgagee Letter 19-20<\/a><\/strong>\u00a0for more details.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>FHA Loan Limits Increased for 2020 On December 3, 2019, FHA issued\u00a0Mortgagee Letter 19-19 to increase the FHA Loan Limits for new case numbers assigned on or after&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[301,307,1],"tags":[618,895,264,52,985,984],"class_list":["post-2991","post","type-post","status-publish","format-standard","hentry","category-buying-a-home","category-fha-mortgage","category-local-michigan","tag-conventional-loan","tag-conventional-loan-limits","tag-fha-loan","tag-fha-loan-limits","tag-usda-loan-limits","tag-va-loan-limits"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"On December 3, 2019 FHA issued Mortgagee Letter 19-19 to increase the FHA Loan Limits for new case numbers assigned on or after January 1, 2020.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Anthony Bird\"\/>\n\t<link rel=\"canonical\" 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