2017 Puerto Rico FHA County Loan Limits

Young family

Planning on buying a home in Puerto Rico? Consider an FHA Loan

What’s the FHA?
The Federal Housing Administration (FHA) was launched as a result of the Great Depression to aid the housing market. The FHA remains committed to aid prospective home buyers who do not satisfy typical financing needs, such as having a credit history or evidence of income.

Is there an income cap with FHA loans?
No!

Do I need to be a first-time buyer?

No, however many Puerto Rico first time home buyers use the program because of the inexpensive down payment (3 1/2%) as well as the seller paid settlement costs.

Do I qualify for an FHA home loan?

If you have a track record of paying your monthly bills on time and you do not already have an FHA mortgage, there is a good chance you will qualify for an FHA loan. Only an authorized FHA loan provider can determine whether or not you meet the requirements for an FHA home loan.

Can my downpayment be paid from gift money?
Yes! Home buyers can pay 100% of your down payment with gift money from family, relatives, or endorsed organizations .

Do I need a good deal of cash to buy a house with an FHA mortgage?

No. The FHA downpayment requirement is only 3.5%. For example, sales price = $200,000 X 3.5% = $7,000

Is the seller permitted to pay my settlement charges?

Yes! The FHA allows the seller to pay up to 6% of the sales price to help with the closing costs.

Does the FHA originate the loan?

No. The FHA insures the mortgage loan. The Federal Housing Administration levies insurance on the mortgage loan. If a borrower defaults on a mortgage loan the FHA uses the money from these insurance premiums to reimburse the lender. This really is how the FHA encourages lenders to give mortgages to otherwise higher-risk borrowers.

Just what types of home mortgage loans are available through the FHA?

You can get a Fixed Interest rate Loans, Variable Rate Loans, and Hybrid Loans

Is getting an FHA mortgage very difficult?
For the most part, it’s not as hard as getting the traditional conventional loan.

I need to refinance. Can the FHA help?

Yes! The FHA offers a streamline refinance loan program for homeowners who currently have a FHA mortgage loan and need to refinance to lower interest rate. In {some cases home owners can do this without up front costs. You can also get a cash-out mortgage refinance whether the mortgage you are refinancing is an FHA loan. With a cash out refinance, you can get as much as 85% of the value of the house.

Is there a sales price limit?

No, however there is a maximum loan amount based on the Puerto Rico county - see below:

2017 FHA County Loan Limits for Puerto Rico


One-Family is a single family home or condominium
Two-Family is two separate living units (duplex)
Three-Family three separate living units (triplex)
Four-Family  four separate living units (fourplex)


MSA One-Family Two-Family Three-Family Four-Family
ADJUNTAS ADJUNTAS, PR 275,665 $352,950 $426,625 $530,150
AGUADA AGUADILLA-ISABELA, PR 275,665 $352,950 $426,625 $530,150
AGUADILLA AGUADILLA-ISABELA, PR 275,665 $352,950 $426,625 $530,150
AGUAS BUENAS SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
AIBONITO SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
ANASCO AGUADILLA-ISABELA, PR 275,665 $352,950 $426,625 $530,150
ARECIBO ARECIBO, PR 275,665 $352,950 $426,625 $530,150
ARROYO GUAYAMA, PR 275,665 $352,950 $426,625 $530,150
BARCELONETA SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
BARRANQUITAS SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
BAYAMON SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
CABO ROJO SAN GERMAN, PR 275,665 $352,950 $426,625 $530,150
CAGUAS SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
CAMUY ARECIBO, PR 275,665 $352,950 $426,625 $530,150
CANOVANAS SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
CAROLINA SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
CATANO SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
CAYEY SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
CEIBA SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
CIALES SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
CIDRA SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
COAMO COAMO, PR 275,665 $352,950 $426,625 $530,150
COMERIO SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
COROZAL SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
CULEBRA NON-METRO 282,900 $362,150 $437,750 $544,050
DORADO SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
FAJARDO SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
FLORIDA SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
GUANICA PONCE, PR 275,665 $352,950 $426,625 $530,150
GUAYAMA GUAYAMA, PR 275,665 $352,950 $426,625 $530,150
GUAYANILLA PONCE, PR 275,665 $352,950 $426,625 $530,150
GUAYNABO SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
GURABO SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
HATILLO ARECIBO, PR 275,665 $352,950 $426,625 $530,150
HORMIGUEROS MAYAGUEZ, PR 275,665 $352,950 $426,625 $530,150
HUMACAO SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
ISABELA AGUADILLA-ISABELA, PR 275,665 $352,950 $426,625 $530,150
JAYUYA JAYUYA, PR 275,665 $352,950 $426,625 $530,150
JUANA DIAZ PONCE, PR 275,665 $352,950 $426,625 $530,150
JUNCOS SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
LAJAS SAN GERMAN, PR 275,665 $352,950 $426,625 $530,150
LARES AGUADILLA-ISABELA, PR 275,665 $352,950 $426,625 $530,150
LAS MARIAS NON-METRO 275,665 $352,950 $426,625 $530,150
LAS PIEDRAS SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
LOIZA SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
LUQUILLO SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
MANATI SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
MARICAO NON-METRO 275,665 $352,950 $426,625 $530,150
MAUNABO SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
MAYAGUEZ MAYAGUEZ, PR 275,665 $352,950 $426,625 $530,150
MOCA AGUADILLA-ISABELA, PR 275,665 $352,950 $426,625 $530,150
MOROVIS SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200.00 $596,150 $740,850.00
NAGUABO SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
NARANJITO SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200.00 $596,150 $740,850.00
OROCOVIS SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
PATILLAS GUAYAMA, PR 275,665 $352,950 $426,625 $530,150
PENUELAS PONCE, PR 275,665 $352,950.00 $426,625 $530,150.00
PONCE PONCE, PR 275,665 $352,950.00 $426,625 $530,150.00
QUEBRADILLAS ARECIBO, PR 275,665 $352,950 $426,625 $530,150
RINCON AGUADILLA-ISABELA, PR 275,665 $352,950 $426,625 $530,150
RIO GRANDE SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
SABANA GRANDE SAN GERMAN, PR 275,665 $352,950 $426,625 $530,150
SALINAS COCO, PR 275,665 $352,950 $426,625 $530,150
SAN GERMAN SAN GERMAN, PR 275,665 $352,950 $426,625 $530,150
SAN JUAN SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
SAN LORENZO SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
SAN SEBASTIAN AGUADILLA-ISABELA, PR 275,665 $352,950 $426,625 $530,150
SANTA ISABEL SANTA ISABEL, PR 275,665 $352,950 $426,625 $530,150
TOA ALTA SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
TOA BAJA SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
TRUJILLO ALTO SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
UTUADO AGUADILLA-ISABELA, PR 275,665 $352,950 $426,625 $530,150
VEGA ALTA SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
VEGA BAJA SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
VIEQUES NON-METRO 275,665 $352,950 $426,625 $530,150
VILLALBA PONCE, PR 275,665 $352,950 $426,625 $530,150
YABUCOA SAN JUAN-CAROLINA-CAGUAS, PR 385,250 $493,200 $596,150 $740,850
YAUCO PONCE, PR 275,665 $352,950 $426,625 $530,150