HUD Boosts Apartment Loan Caps to Match Rising Costs
Published Date: 5/6/2026
Notice
Summary
Starting January 1, 2026, HUD is raising the maximum mortgage limits for multifamily housing loans to keep up with inflation. This change helps developers and lenders by allowing bigger loans for apartment buildings and other multifamily projects. If you’re involved in building or financing affordable housing, these new limits mean more money to work with this year!
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Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
Higher FHA Multifamily Mortgage Limits
Starting January 1, 2026, HUD raised the Basic Statutory Mortgage Limits for multiple FHA multifamily programs using a 2.3% CPI-U increase. Examples of the adjusted limits include Section 207 elevator 4+ units at $154,259, Section 213 elevator 4+ units at $155,175, Section 234 elevator 4+ units at $158,341, and the per-space limit for manufactured home parks at $31,553.
New Limits Apply to Pending FHA Applications
The revised limits may be applied to FHA multifamily mortgage insurance applications submitted or amended on or after January 1, 2026, provided the loan has not been initially endorsed. This timing rule affects when developers or lenders can use the higher statutory limits for a loan.
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