2022 FHA Loan Limits in PA and Loan Calculation

FHA logoThere is no maximum sales price for an FHA 203b and 203K mortgage - just a maximum loan amount.
Here are the FHA loan limits for Pennsylvania counties and loan calculation.

FHA loan calculation

Sales Price $100,000  
Less Down Payment $3,500 Sales Price X 3.5% = $3,500
Equals FHA Mortgage $96,500 this amount should not exceed the county limit

If the sales price is lower than the PA county limit:

Sales Price $500,000  
Less Down Payment $17,500 Sales Price X 3.5% = $17,500
A. FHA Mortgage $482,500  
 
B. Maximum County Limit 420,680  
 
Sales Price $500,000  
Less the lower or A or B 420,680  
Down Payment $79,320

Here's another example:

Sales price is greater than the PA county limit:

Since A is greater than B, we use B for the FHA mortgage and the difference is the down payment.

2022 FHA loan limits for Pennsylvania counties

  • One Family is a single-family home or condominium
  • Two Family is a single-family home or condominium
  • Three Family is a single-family home or condominium
  • Four Family is a single-family home or condominium
County Name One-Family Two-Family Three-Family Four-Family
ADAMS $420,680 $538,650 $651,050 $809,150
ALLEGHENY $420,680 $538,650 $651,050 $809,150
ARMSTRONG $420,680 $538,650 $651,050 $809,150
BEAVER $420,680 $538,650 $651,050 $809,150
BEDFORD $420,680 $538,650 $651,050 $809,150
BERKS $420,680 $538,650 $651,050 $809,150
BLAIR $420,680 $538,650 $651,050 $809,150
BRADFORD $420,680 $538,650 $651,050 $809,150
BUCKS $477,250 $610,950 $738,500 $917,800
BUTLER $420,680 $538,650 $651,050 $809,150
CAMBRIA $420,680 $538,650 $651,050 $809,150
CAMERON $420,680 $538,650 $651,050 $809,150
CARBON $420,680 $538,650 $651,050 $809,150
CENTRE $420,680 $538,650 $651,050 $809,150
CHESTER $477,250 $610,950 $738,500 $917,800
CLARION $420,680 $538,650 $651,050 $809,150
CLEARFIELD $420,680 $538,650 $651,050 $809,150
CLINTON $420,680 $538,650 $651,050 $809,150
COLUMBIA $420,680 $538,650 $651,050 $809,150
CRAWFORD $420,680 $538,650 $651,050 $809,150
CUMBERLAND $420,680 $538,650 $651,050 $809,150
DAUPHIN $420,680 $538,650 $651,050 $809,150
DELAWARE $477,250 $610,950 $738,500 $917,800
ELK $420,680 $538,650 $651,050 $809,150
ERIE $420,680 $538,650 $651,050 $809,150
FAYETTE $420,680 $538,650 $651,050 $809,150
FOREST $420,680 $538,650 $651,050 $809,150
FRANKLIN $420,680 $538,650 $651,050 $809,150
FULTON $420,680 $538,650 $651,050 $809,150
GREENE $420,680 $538,650 $651,050 $809,150
HUNTINGDON $420,680 $538,650 $651,050 $809,150
INDIANA $420,680 $538,650 $651,050 $809,150
JEFFERSON $420,680 $538,650 $651,050 $809,150
JUNIATA $420,680 $538,650 $651,050 $809,150
LACKAWANNA $420,680 $538,650 $651,050 $809,150
LANCASTER $420,680 $538,650 $651,050 $809,150
LAWRENCE $420,680 $538,650 $651,050 $809,150
LEBANON $420,680 $538,650 $651,050 $809,150
LEHIGH $420,680 $538,650 $651,050 $809,150
LUZERNE $420,680 $538,650 $651,050 $809,150
LYCOMING $420,680 $538,650 $651,050 $809,150
MCKEAN $420,680 $538,650 $651,050 $809,150
MERCER $420,680 $538,650 $651,050 $809,150
MIFFLIN $420,680 $538,650 $651,050 $809,150
MONROE $420,680 $538,650 $651,050 $809,150
MONTGOMERY $477,250 $610,950 $738,500 $917,800
MONTOUR $420,680 $538,650 $651,050 $809,150
NORTHAMPTON $420,680 $538,650 $651,050 $809,150
NORTHUMBERLAND $420,680 $538,650 $651,050 $809,150
PERRY $420,680 $538,650 $651,050 $809,150
PHILADELPHIA $477,250 $610,950 $738,500 $917,800
PIKE $970,800 $1,243,050 $1,502,475 $1,867,275
POTTER $420,680 $538,650 $651,050 $809,150
SCHUYLKILL $420,680 $538,650 $651,050 $809,150
SNYDER $420,680 $538,650 $651,050 $809,150
SOMERSET $420,680 $538,650 $651,050 $809,150
SULLIVAN $420,680 $538,650 $651,050 $809,150
SUSQUEHANNA $420,680 $538,650 $651,050 $809,150
TIOGA $420,680 $538,650 $651,050 $809,150
UNION $420,680 $538,650 $651,050 $809,150
VENANGO $420,680 $538,650 $651,050 $809,150
WARREN $420,680 $538,650 $651,050 $809,150
WASHINGTON $420,680 $538,650 $651,050 $809,150
WAYNE $420,680 $538,650 $651,050 $809,150
WESTMORELAND $420,680 $538,650 $651,050 $809,150
WYOMING $420,680 $538,650 $651,050 $809,150
YORK $420,680 $538,650 $651,050 $809,150

Special financing for FHA home-loans

Did you know that the Pennsylvania Housing Finance Agency offers below market interest-rates for Pennsylvania home-buyers and access to a down payment/closing-cost assistance loan? And you don't have to be a First Time Home Buyer! Read more about the Keystone Government Loan Program