Loan Limit Locator

National MI Loan Limit Locator

Conventional vs. FHA

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Did you know that with National MI, your non conforming loan amounts are insurable up to $1,500,000

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Occupancy	Loan Purpose	Property Type	Loan Amount	LTV-CLTV / FICO ⁴	DTI
Primary Residence	Purchase or Rate/Term Refinance Construction to Permanent ¹	Single Family Condo or Co-op Manufactured Home	$484,350	97% / 620	Per AUS Approval
$726,525 ²	95% / 620
Cash-Out Refinance	Single Family Condo or Co-op	$484,350	85% / 620
Purchase or Rate/Term Refinance Construction to Permanent	Two-Unit	$620,200	90% / 620
$930,300 ²	85% / 620
Second Home	Purchase or Rate/Term Refinance Construction to Permanent ¹	Single Family Condo or Co-op Manufactured Home	$484,350	90% / 620
$726,525 ²	90% / 620
Investment Property	Purchase or Rate/Term Refinance Construction to Permanent ¹	Single Family Condo or Co-op	$484,350	85% / 680
$726,525 ²	85% / 680

VIEW ALL NATIONAL MI GUIDELINES

Conforming Limits reflect the Federal Housing Finance Agency's 2019 loan limit increases.

Please refer to National MI's Underwriting Guideline Manual for a complete description of policies and requirements.

¹ Construction to Permanent excludes attached condos and co-ops.

² AUS Conforming High Balance Loans.

Maximum amounts for AK and HI are: $726,525 (1 unit) and $930,300 (2 units).

For 2019, the GSEs have not established different high balance/super conforming amounts for AK and HI.

³ FHA Limit is based on the loan limits established by HUD, which are presently effective for calendar year 2019, as announced in the December 14, 2018 Mortgagee Letter 2018-11.

⁴ Minimum 700 FICO required if DTI > 45% for loans not using Rate GPS^SM.

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