One-Time Close Loans | FHA, VA, and USDA
Learn all about the VA, USDA, and FHA versions of the One-Time Close Loan.

2020 FHA Limits vary based on the type of home being built and the county in which the property is located. VA and USDA loans address limits differently.

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VA Loan - One-Time Close Construction Loan
FHA Loan - One-Time Close Construction Loan
USDA Loan - One-Time Close Construction Loan

What Can I Borrow for VA, FHA, and USDA Loans?

The FHA has established maximum loan amounts that they are able to insure. These loan limits are calculated and updated annually, and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home being built, such as single-family or duplex, can also affect these numbers. VA and USDA loans address limits differently.


Build Your Home With a VA Loan

Starting in 2020, loan limits no longer apply to new VA Loans. The Department of Veterans Affairs (commonly referred to as the VA) can now back larger loans than previous allowed. This change doesn't mean that you have unlimited borrowing power. Your lender will still have credit requirements that you need to meet as well as maximum loan amounts based on their own standards. The bottom line is that it should be easier for veterans to get zero down payment loans nationwide, regardless of home prices.

More information is available at the VA website.

Build Your Home With a USDA Loan

Income limits for all states are based on maximum income for the household. For 2020, except for designated high cost areas, counties in each state have a maximum income threshold of $86,850 for households of 1-4 people. In counties where a higher limit is available for households of 5-8 people, that income limit is $114,650.

More information is available at the USDA website.

Lending Limits for FHA Loans

The FHA has a maximum loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually, and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers. For 2020, the FHA floor was set at $331,760 for single-family home loans. This minimum lending amount covers 80% of all U.S. counties.

ALABAMA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Florence, Sheffield, Fort Payne, Hamilton, Jasper, Birmingham, Northport, Tuscaloosa, Selma, Montgomery, Eufaula, Monroeville, Dothan, Mobile, Daphne...

ALASKA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Barrow, Nome, Fairbanks, Bethel, Anchorage, Homer, Seward, Kodiak, Unalaska, Juneau, Sitka, Petersburg...

ARIZONA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Bullhead Cuty, Tuba City, Flagstaff, Winslow, Prescott, Phoenix, Scottsdale, Mesa, Tempe, Florence, Casa Grande, Yuma, Flowing Wells, Tucson, Green Valley, Douglas...

ARKANSAS Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Springdale, Pocohontas, Fayetteville, Van Buren, Mountain View, Fort Smith, Russellville, Searcy, Little Rock, West Helena, Hot Springs, Arkadelphia, Pine Bluff, Camden, Magnolia, El Dorado...

CALIFORNIA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Arcala, Eureka, Redding, Chico North, Paradise, Ukiah, Linda, Santa rosa, Sacraento, Napa, Lodi, San Francisco, San Jose, Turlock, Los Banos, Santa Cruz, Fresno, Visalia, Porterville, Atascadero, Ridgecrest, Bakersfield, Santa Maria, Barstow, Santa Barbara, Thousand Oaks, Los Angeles, Santa Ana, Laguna Beach, San Diego, El Centro...

COLORADO Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Craig, Rangely, Fort Collins, Greeley, Sterling, Yuma, Boulder, Westminster, Denver, Castle Rock, Glenwood Springs, Black Forest, Buena Vista, Colorado Springs, Lincoln Park, Pueblo, Montrose, La Junta, Walsenburg, Monte Vista, Cortez, Durango, Alamosa, Trinidad...

CONNECTICUT Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Winsled, Windsor Locks, Bristol, Hartford, Danielson, Norwich, Groton, New Milford, Danbury, Starford, Norwalk, Stamford...

DELAWARE Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Newark, Claymont, Brookside, Middletown, Dover, Harrington, Lewes, Seaford, Laurel...

DISTRICT OF COLUMBIA Loan Limits

Washington, D.C.

FLORIDA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Pensacola, Fort Walton Beach, Panama City, Tallahassee, Jacksonville Beach, Lakeside, St. Augustine, Palatka, Gainesville, Ocala, Daytona Beach, Deltona, Leesburg, Orlando, Merritt Island, Cocoa Beach, Melbourne, Vero Beach, Fort Pierce, Port St. Lucie, Riviera Beach, West Palm Beach, Boca Raton, Pompano Beach, Fort Lauderdale, Miami Beach, Belle Glade, Hialeah, Miami, Cutler Ridge, Homestead, Key West, East Naples, Fort Myers, Englewood, Venice, Sarasota Springs, St. Petersburg, Largo Tampa, Clearwater, Kissimmee, New Port Richey...

GEORGIA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Dalton, Rome, Atlanta, East Point, La Grange, Columbus, Americus, Albany, Tifton, Moultrie, Valdosta, Brunswick, Hinesville, Savannah, Statesboro, Macon, Augusta, Covington, Athens, Gainesville...

HAWAII Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Lihue, Honolulu, Kaunakakai, Wailuka, Hawi, Hilo, Captain Cook...

IDAHO Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Sandpoint, Post Falls, Osburn, Moscow, Lewiston, Grangeville, Salmon, Weisner, Boise City, Ketchum, St. Anthony, Idaho Falls, Blackfoot, Mountain Home, Soda Springs, Buhl, Twin Falls, Montpelier...

ILLINOIS Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Rockford, Sterling, Rock Island, Kewanee, Monmouth, Macomb, Lincoln, Springfirld, Quincy, Jacksonville, Waukegan, Oak Lawn, Joliet, Kankakee, Normal, Decatur, Charlston, Effingham, Alton, East St. Louis, Centralia, Mount Vernon, Harrisburg, Carbondale...

INDIANA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in East Chicago, Gary, Logansport, Kokomo, Crawfordsville, Indianapolis, Terre Haute, Vincennes, Evansville, New Albany, Madison, Bloomington, Shelbyville, Anderson, Muncie, Grant, Wabash, Fort Wayne, South Bend...

IOWA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Spencer, Sioux City, Council Bluffs, Fort Dodge, Boone, Ames, Urbandale, Des Moines, Oskaloosa, Burlington, Keokuk, Davenport, Cedar Rapids, Dubuque, Wateloo, Cedar Falls, Mason City...

KANSAS Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Norton, Colby, Garden City, Liberal, Hays, Great Bend, Hutchinson, Dodge City, Minneapolis, Salina, McPherson, Newton, El Dorado, Arkansas City, Wichita, Atchinson, Kansas City, Topeka, Ottowa, Emporia, Chanute, Pittsburg...

KENTUCKY Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Fort Thomas, Erlanger, Florence, Ashland, Frankfort, Lexington, Richmond, Somerset, Middlesborough, Elizabethtown, Louisville, Owensboro, Hopkinsville, Fort Campbell North, Mayfield, Paducah, Madisonville, Henderson...

LOUISIANA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Minden, Bastrop, Monroe, Bossier city, Tallulah, Natchitoches, Alexandria, Pinieville, Fort Polk South, De Ridder, Lafayette, Abbeville, New Iperia, Morgan City, Bayou Cane, New Orleans, Baton Rouge, Bogalusa...

MAINE Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Madawaska, Fort Fairfield, Presque Isle, Houlton, East Millinocket, Dover-Foxcroft, Calais, Bangor, Bar Harbor, Waterville, Madison, Romford, Augusta, Lewiston, Auburn, Brunswick, Portland, Biddeford, Sanford, Kittery...

MARYLAND Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Lexington Park, Salisbury, Cambridge, St. Charles, Annapolis, Balrimore, Townson, Bethesda, Columbia, Frederick, Hagerstown, Cumberland, Oakland...

MASSACHUSETTS Loan Limits

Includes VA, FHA, and USDA limits for mortgages in North Adams, Pittsfield, Springfield, Gardner, Worcester, Newburyport, Salem, Boston, Taunton, Fall River, New Bedford, Nantucket...

MICHIGAN Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Ontonagon, Iron Mountain, Marquette, Sault Ste. Marie, Crystal Falls, Escanaba, Menominee, Alpena, Traverse City, Cadillac, Bay City, Saginaw, Port Huron, Pontiac, Detroit, Dearborn, Adrian, Ann Arbor, Farmington Hills, Lansing, Niles, Kalamazoo, Holland, Grand Rapids, Muskegon, Big Rapids...

MINNESOTA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Hallock, Big Falls, Grand Marais, Bemidji, Hibbing, Virginia, Duluth, Moorhead, Fergus Falls, Brainerd, St. Cloud, Willmar, Minneapolis, St. Paul, Northfield, Faribault, New Ulm, Marshall, Owatonna, Rochester, Fairmont, Worthington...

MISSISSIPPI Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Gulfport, Picayune, McComb, Brookhaven, Laurel, Hattiesburg, Vicksburg, Jackson, Canton, De Kalb, Yazoo City, Greenwood, Columbus, Grenada, Clarksdale, Tupelo, Southaven, Corinth...

MONTANA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Libby, Cut Bank, Kalispell, Poison, Missoula, Deer Lodge, Butte Silver Bow, Helena, Great Falls, Conrad, Havre, Malta, Lewistown, Roundup, Billings, Hardin, Forsyth, Jordan, Glasgow, Plentywood, Wolf Point, Glendive, Miles City...

NEBRASKA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Chadron, Scottsbluff, Kimball, Gordon, Valentine, Ainsworth, O'Neill, South Sioux City Norfolk, Mullen, Broken Bow, Columbus, Ord, Fremont, Omaha, Bellevue, Lincoln, Beatrice, Superior, Hastings, Grand Island, North Platte, Broken Bow, Kearney, Imperial, McCook...

NEVADA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Winnemucca, Elko, Battle Mountain, Sparks, Fallon, Reno, Carson City, Gardnerville Ranchos, Hawthorne, Tonopah, Caliente, Ely, Las Vegas, Paradise, Boulder City...

NEW HAMPSHIRE Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Berlin, Lancaster, Littleton, North Conway, Plymouth, Levanon, Claremont, Concord, Manchester, Derry, Nashua, Keene...

NEW JERSEY Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Newton, Paterson, Newark, Edison, Stanton, Trenton, Camden, Cherry Hill, Salem, Vineland...

NEW MEXICO Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Shiprek, Farmington, Taos, Raton, Clayton, Los Alamos, Santa Fe, Las Vegas, Tucumcare, Santa Rosa, Clovis, Roswell, Artesia, Carlsbad, Las Cruces, Deming, Lordsburg, Alamogordo, Truth Or Consequences, Socorro, South Valley, North Valley Gallup, Albuquerque...

NEW YORK Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Massena, Potsdam, Plattsburgh, Ogdensburg, North Ebs, Watertown, Fulton, Syracuse, Cortland, Binghamton, Monticello, Newburgh, New City, Yonkers, New York City, Peekskill, White Plains, Hampton Bays, Elmira, Ithaca, Corning, Rochester, Lockport, Niagara Falos, Buffalo, Jamestown, Thurman, Glens Falls, Saratoga Springs, Albany, Chatham, Catskill, Kingston, Poughkeepsie, Oneonta, Schenectady, Utica, Rome...

NORTH CAROLINA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Murphy, Asheville, Morganton, Boone, Lenoir, Salisbury, Charlotte, Monroe, Albemarie, High Point, Greensboro, Eden, Henderson, Durham, Raleigh, Cary, Fayetteville, Lumberton, Wilmington, Camp Lejeune, Havelock, Kinston, Greenville, Elizabeth City...

NORTH DAKOTA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Crosby, Williston, Watford City, Hazen, Beach, Dickenson, Bowman, Mandan, Bismarck, Ashley, Oakes, Lisbon, Fargo, Jamestown, Carrington, Mayville, Grand Forks, Harvey, Devils Lake, Grafton, Langdon, Bottineau, Rugby, Minot...

OHIO Loan Limits

Includes Basic Allowance for Housing rates in Toledo, Bryabn, Defiance, Findlay, Lima, Sidney, Springfield, Dayton, Wilmingron, Cincinnati, Portsmouth, Ironton, Athens, Marietta, Lancaster, Columbus, Newark, Delaware, Mansfield, Tiffin, Elyria, Cleveland, Parma, Warren, Akron, Canton, Dover, Cambridge...

OKLAHOMA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Boise City, Guyman, Woodward, Ponca City, Enid Stillwater, Elk City, Olkahoma City, Edmond, Norman, Chickasha, Ada, Altus, Lawton, Ardmore, Durant, McAlester, Okmulgee, Broken Arrow, Tulsa, Claremore, Bartlesville...

OREGON Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Astoria, Portland, Oregon City, woodburn, Salem, Albany, Lebanon, Springfield, Eugene, Coos Bay, Roseburg, Grants Pass, Medford, Ashland, Klamath Falls, Altamont, Bend, City Of The Dalles, Pendleton, Enterprise, La Grande, John Day, Ontario, Burns, Hines...

PENNSYLVANIA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Erie, Meadville, Oil City, New Castle, Butler, Penn Hills, Pitsburgh, Uniontown, Bradford, Williamsport, Sunbury, Towanda, Altoona, Harrisvurg, Bedford, Chambersburg, Montrose, Scranton, Willkes-Barre, Easton, Bethlemem, Allentown, Levitown, Philadelphia...

RHODE ISLAND Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Woonsocket, Glocester, Providence, Coventry, Newport, Westerly...

SOUTH CAROLINA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Easley, Greenville, Laurens, Greenwood, Columbia, Cayce, Aiken, Barnwell, Rock Hill, Bennettsville, Florence, Conway, Myrtle Beach, Georgetown, Goose Creek, Charleston, Hilton Head Island...

SOUTH DAKOTA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Buffalo, Bison, Belle Fourche, Sturgis, Lead, Rapid City, Hot Springs, Pine Ridge, Winner, Chamberlain, Pierre, Cherry Creek, Mobridge, Yankton, Canton, Sioux Falls, Mitchell, Madison, Brookngs, Huron, Redfield, Watertown, Milbank, Aberdeen, Sisseton...

TENNESSEE Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Memphis, Bolivar, Jackson, Hujboldt, Union City, Paris, Clarksville, Nashville, Franklin, Columbia, Shelvybille, Chattanooga, Athens, Maryville, Knoxville, Oneida, Greeneville, Elizabethton...

TEXAS Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Dalhart, Amarillo, Canyon, Wichita Falls, Lubbock, Denton, Arlington, Dallas, Fort Worth, Abilene, Snyder, Texarkana, El Paso, Pecos, Van Horn, Fort Stockton, Ozona, San Angelo, Odessa, Mdland, Del Rio, Eagle Pass, Carrizo Springs, Laredo, Rio Grande City, Brownsville, Corpus Christi, Portland, Port Lavaca, San Antonio, Galvestion, Houston, Beaumont, Austin, College Station, Lufkin, Nacogdoches, Waco...

UTAH Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Logan, Brigham City, Ogden, Salt Lake City, Megna, Murray, Sandy, Orem Provo, Maeser, Roosevelt, Helper, Nephi, Mount Pleasant, Fillmore, Richfield, Moab, Loa, Milford, Panguitch, Monticello, Hurricane, Kanab, Mexican Hat...

VERMONT Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Newport, Swanton, Island Pond, Burlington, Montpelier, Middlebury, Rutland, Woodstock, Springfield, Arlington, Brattleboro...

VIRGINIA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Briston, Marion, Blacksburg, Martinsville, Danville, Roakoak, Lynchburg, Richmond, Newport News, Chesapeake, Virginia Beach, Exmore, Onancock, Charlottesville, Fredericksburg, Staunton, Harrisburg, Front Royal Winchester, Arlington, Alexandria, Manassas...

WASHINGTON Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Bellingham, Mount Vernon, Oak Harvor, Port Angeles, North Marysville, Everett, Bremerton, Seattle, Tacoma, Olympia, Aberdeen, Centralia, Longview, Vancouver, Goldendale, Yakima, Ellensburg, Richland, Kennewick, Walla Walla, Pullman, Moses Lake, East Wenatchee Bench, Spokane, Newport, Omak, Kettle Falls...

WEST VIRGINIA Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Weirton, Wheeling, Moundsville, Fairmont, Parkersburt, Clarksburg, Martinsburg, Charles Town, Moorefield, Elkins, Glenville, Poin Pleasant, Huntington, Charleston, South Charleston, Madison, Beckley, Lewisburg, Marlinton, Beckley, Welch, Bluefield...

WISCONSIN Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Superior, Ashland, Mercer, Shell Lake, Rhinelander, Crandon, Marinette, Wausau, Menomonie, Eau Claire, Marshfield, Green Bay, Wisconsin Rapids, Appleton, Menasha, Oshkosh, Two Rivers, Fond Du Lac, La Crosse, Beaver Dam, Sheboygan, Menoonee Falls, Madison, Richland Center, Madison, Milwaukee, Lancaster, Racine, Kenosha, Monroe...

WYOMING Loan Limits

Includes VA, FHA, and USDA limits for mortgages in Evanston, Kemmerer, Green River, Rock Springs, Rawins, Saratoga, Cheyenne, Torrington, Douglas, Paradise Valley, Casper, Lender, Riverton, Jackson, Thermopolis, Worland, Powell, Cody, Lovell, Sheridan, Greybull, Buffalo, Gullette, Newcastle...

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