Updates to 2026 FHA Mortgage Limits and Multifamily Accelerated Processing (MAP) Guide Thresholds

HUD’s Office of Multifamily Housing sent out the following information on May 20, 2026:

Through a Mortgagee Letter published today [dated may 4, 2026], the Federal Housing Administration (FHA) has updated the Base City High Cost Percentage and High Cost Areas, as well as the annual indexing of the Multifamily Accelerated Processing (MAP) Guide’s Substantial Rehabilitation and Large Loan Risk Thresholds.

These annual updates adjust:

• Maximum FHA Multifamily Mortgage Insurance Loan Limits;

• High Cost Areas;

• Large Loan Risk Mitigation Thresholds; and

• Per-unit Base Cost for Substantial Rehabilitation.

These adjustments reflect regional economic conditions and construction costs in High Cost Areas.

The annual revisions and indexing apply to all applications submitted or amended on or after January 1, 2026, provided the loan has not been initially endorsed.