Kings County FHA Loan Limits 2026

The FHA loan limit for 2026 in Kings County is $541,287.

• The limit above is based on a 1-unit property.

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Loans above $541,287 for a 1-unit property in Kings County would not qualify for FHA financing.

FHA financing is possible on 2-4 unit properties as well.  Here are the FHA loan limits for multi-unit properties in Kings County…

• 2-unit property – $693,050
• 3-unit property – $837,700
• 4-unit property – $1,041,125

Click Here for Conforming Loan Limits for Kings County 2026

If you are looking for a loan over $541,287 for a 1-unit property, you can explore conventional financing in Kings County, where the conforming loan limit is $832,750.

If you are looking to purchase a home or refinance an existing home, we would love to work with you!  We are EXTREMELY competitive on FHA loans.

Most lenders earn 2-3 points (2-3% of your loan amount) or more on FHA loans.  We earn 1% of your loan amount (paid by the lender), and we do not charge any loan processing fees.  This is substantially less than 99% of the lenders out there, and any lender who can beat us on rate will lack the service we provide.

Along with offering lower FHA rates than competing lenders, we also offer rates with lender credits to apply toward closing costs.  Not all lenders offer rates that come with lender credits.

If you are looking for a purchase loan or a refinance in Kings County, we would love to work with you!  We can close a purchase loan in as little as 10 days and refinances in 15 days.  You won’t find a lower rate and better service than Community First Mortgage.

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(Rates subject to change without notice)

Loan Assumptions