{
 "rule_id": "frc:rule:fha-forward-loan-limits-2026",
 "title": "FHA forward mortgage loan limits for case numbers assigned on or after 2026-01-01",
 "issuer_of_rule": "HUD/FHA, Mortgagee Letter 2025-23 (announced 2025-12-11)",
 "effective_from": "2026-01-01",
 "effective_to": "2026-12-31",
 "supersedes": "2025 limits (one-unit floor $524,225; ceiling $1,209,750)",
 "cells": [
  {
   "units": 1,
   "floor_usd": 541287,
   "ceiling_usd": 1249125
  },
  {
   "units": 2,
   "floor_usd": 693050,
   "ceiling_usd": 1599375
  },
  {
   "units": 3,
   "floor_usd": 837700,
   "ceiling_usd": 1933200
  },
  {
   "units": 4,
   "floor_usd": 1041125,
   "ceiling_usd": 2402625
  },
  {
   "program": "HECM maximum claim amount",
   "limit_usd": 1249125
  }
 ],
 "contract": {
  "required_qualifiers": [
   "case number assigned in 2026",
   "number of units",
   "county (most counties sit between floor and ceiling)"
  ],
  "does_not_establish": [
   "the limit in a specific county (HUD publishes a county table)",
   "conforming or VA limits",
   "that a borrower qualifies for any amount"
  ]
 },
 "machine_readable_by": "FinanceRateCalc, from the public source named; not an official file of the issuer; CC BY 4.0; corrections: https://financeratecalc.com/corrections.html",
 "verify": "https://financeratecalc.com/verify.html",
 "sha256": "f8aa1c61946db5e80b282bc693833f6ef5e0c3581b5cc2f5aef6f122c66b39d5"
}