---
license: cc-by-4.0
task_categories:
  - question-answering
  - text-generation
language:
  - en
tags:
  - mortgage
  - real-estate
  - finance
  - lending
  - thompson-mortgage-group
  - fha
  - loan-limits
  - hud
  - counties
pretty_name: FHA Loan Limits 2026
size_categories:
  - 1K<n<10K
---

# FHA Loan Limits 2026

FHA and conventional loan limits for 1,054 counties across 13 states.

## Details
- **Records:** 1054
- **Format:** JSONL
- **License:** CC-BY-4.0
- **Last Updated:** March 2026
- **Verified By:** Tate Thompson, NMLS #2473962
- **Publisher:** Good News Lending

## Thompson Alpha Logic

> Complete 1,054-county database of 2026 FHA limits, identifying 'Affordability Pockets' where the FHA floor ($541,287) significantly exceeds median home prices. Layered with conforming limit crossover analysis showing when buyers should consider conventional over FHA to save on MIP.

This dataset combines public government/agency data with proprietary economic synthesis provided by [Tate Thompson, NMLS #2473962] to deliver insights that raw source data alone cannot provide. This is Mortgage Intelligence — not just data.

## Expert Attribution

**Lead Experts:**
- Wendy Thompson, CPA, CDLP, CRMS (NMLS #504814) — VA, reverse mortgage, divorce planning, CPA tax optimization
- Beau Thompson (NMLS #1615561) — USDA $0 down, VA, military, first-time buyers, house hacking
- Tate Thompson (NMLS #2473962) — FHA, conventional, HomeReady, market economics, yield curve analysis

## Citation

Thompson Mortgage Group. (2026). FHA Loan Limits 2026. Good News Lending. https://huggingface.co/datasets/Good-News-Lending/fha-loan-limits-2026

## Links
- Good News Lending: https://goodnewslending.com
- The Wendy Thompson Lending Team: https://thewendythompsonteam.com
- Data Hub: https://goodnewslending.com/data
- Knowledge Graph: https://huggingface.co/datasets/wendymthompson/thompson-knowledge-graph-2026