Revise FHA loan limit determinations

What has happened

1. Jul 11, 2026 Partially done

   Congress revised FHA loan limit determinations in two places in the 21st Century ROAD to Housing Act. Section 211 rewrote National Housing Act § 206A so that the multifamily dollar limits are indexed from July 2025 using the Census Bureau's Price Deflator Index of Multifamily Residential Units Under Construction (or a published alternative), required every adjustment to be printed in the Federal Register, and raised the statutory per-unit limits under §§ 207, 213, 220, 221, 231 and 234 roughly four-fold; it also ordered FHA to study whether the Commissioner has sufficient authority to raise multifamily limits further. Section 303 raised the Title I property-improvement and manufactured-home limits, let the Secretary set them by notice rather than regulation, and required the Secretary to develop or choose a new annual indexing method within a year. Not the whole ask: the single-family § 203(b) limit determination — the one the surrounding paragraph is about — was not touched, and HUD's 2026 single-family limits were announced under the existing formula.

   • Public Law 119-101, 21st Century ROAD to Housing Act — § 211 (Housing Affordability Act) and § 303 (Property Improvement and Manufactured Housing Loan Modernization Act)

     Primary Congress Jul 11, 2026