The type of home, such as single-family or duplex, can also affect these numbers. For 2019, the FHA floor was set at $314,827 for single-family home loans. This minimum lending amount covers 80% of all U.S. counties. The FHA ceiling represents the maximum loan amount and is illustrated in the table below.
To learn more about FHA debt-to-income ratios in 2019, and the compensating factors that could allow you to circumvent them, you can refer to the Single Family Housing Policy Handbook (HUD Handbook 4000.1) or speak to a HUD-approved lender. To recap, FHA’s maximum qualifying debt ratios for borrowers in 2019 are 31% and 43%.
The Federal Housing administration places limits on the sizes of mortgages it insures. FHA loan limits in 2019 range from $314,827 to $726,525, depending on location. Max loan amounts vary from.