Maximum loan amounts for Pennsylvania FHA Mortgages have changed. These amounts have been lowered to in most counties in PA.

Why have they been lowered?

The Housing and Economic Recovery Act of 2008, also known as HERA, limited FHA insurable loan amounts to 115 percent of a county’s median home price. In an attempt to make FHA mortgages more available during the housing crisis, Congress passed temporary increases to this 115 percent cap shortly after HERA was initially enacted. Further extensions were passed as the housing crisis dragged on. Now the last extension is finally expiring. Essentially, the maximum loan amounts for Pennsylvania FHA Mortgages is reverting back to pre-2008 levels.

Below are the maximum loan amounts for FHA Mortgages for a Single Family Residence in each Pennsylvania County. Almost all counties are set at $271,050. Some counties with higher costs of living have higher maximums.

• Adams County $271,050

• Allegheny County $271,050

• Armstrong County $271,050

• Beaver County $271,050

• Bedford County $271,050

• Berks County $271,050

• Blair County $271,050

• Bradford County $271,050

• Bucks County $379,500

• Butler County $271,050

• Cambria County $271,050

• Cameron County $271,050

• Carbon County $372,600

• Centre County $271,050

• Chester County $379,500

• Clarion County $271,050

• Clearfield County $271,050

• Clinton County $271,050

• Columbia County $271,050

• Crawford County $271,050

• Cumberland County $271,050

• Dauphin County $271,050

• Delaware County $379,500

• Elk County $271,050

• Erie County $271,050

• Fayette County $271,050

• Forest County $271,050

• Franklin County $271,050

• Fulton County $271,050

• Greene County $271,050

• Huntingdon County $271,050

• Indiana County $271,050

• Jefferson County $271,050

• Juniata County $271,050

• Lackawanna County $271,050

• Lancaster County $271,050

• Lawrence County $271,050

• Lebanon County $271,050

• Lehigh County $372,600

• Luzerne County $271,050

• Mckean County $271,050

• Mercer County $271,050

• Mifflin County $271,050

• Monroe County $271,050

• Montour County $271,050

• Northampton County $372,600

• Northumberland County $271,050

• Perry County $271,050

• Philadelphia County $379,500

• Pike County $625,500

• Potter County $271,050

• Schuylkill County $271,050

• Snyder County $271,050

• Somerset County $271,050

• Sullivan County $271,050

• Susquehanna County $271,050

• Tioga County $271,050

• Union County $271,050

• Venango County $271,050

• Warren County $271,050

• Washington County $271,050

• Wayne County $271,050

• Westmoreland County $271,050

• Wyoming County $271,050

• York County $271,050