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FHA sets loan limits for each county, which dictate the maximum amount borrowers can qualify for via the FHA program. Loan limits are higher in areas with high-cost real estate, and borrowers purchasing 2-4-unit properties can often get a larger loan amount than those buying single-family homes. Not all borrowers will qualify for the maximum loan size, though. The amount you can qualify for with FHA depends on your down payment, income, debts, and credit.