{
  "publisher": "Move to Lower Bucks",
  "site": "https://movetolowerbucks.com/",
  "about": "Lower Bucks home data and tools by Alex Isom, PA real-estate license in progress. Move to Lower Bucks (movetolowerbucks.com) does not provide real estate brokerage services.",
  "attribution": "Please credit \"Move to Lower Bucks (movetolowerbucks.com)\" with a link when you use or republish this data.",
  "docs": "https://movetolowerbucks.com/data/",
  "contact": "hello@movetolowerbucks.com",
  "disclaimer": "Estimates only, not tax, legal or financial advice. Real assessments vary by house; check the official sources.",
  "dataset": "FHA loan limits and mortgage insurance, Bucks County, PA",
  "as_of": "2026-01-01",
  "sources": [
    {
      "title": "HUD Mortgagee Letter 2025-23, 2026 nationwide forward mortgage limits (Dec. 11, 2025)",
      "url": "https://www.hud.gov/sites/dfiles/hudclips/documents/2025-23hsgml.pdf"
    },
    {
      "title": "HUD CY2026 FHA forward limits by county (Bucks County, PA, code 017)",
      "url": "https://apps.hud.gov/pub/chums/cy2026-forward-limits.txt"
    },
    {
      "title": "HUD Mortgagee Letter 2023-05, FHA mortgage insurance premiums",
      "url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-05hsgml.pdf"
    }
  ],
  "county": "Bucks County, PA",
  "metro": "Philadelphia-Camden-Wilmington, PA-NJ-DE-MD",
  "metro_median_price": 548000,
  "limits_2026": {
    "one_unit": 630200,
    "two_units": 806750,
    "three_units": 975200,
    "four_units": 1211950
  },
  "limit_2025_one_unit": 594550,
  "national_floor_one_unit": 541287,
  "national_ceiling_one_unit": 1249125,
  "conforming_limit_one_unit": 832750,
  "min_down_payment_pct": {
    "credit_580_plus": 3.5,
    "credit_500_to_579": 10
  },
  "upfront_mip_pct": 1.75,
  "annual_mip_pct_30yr": {
    "loan_up_to_726200": {
      "ltv_95_or_less": 0.5,
      "ltv_over_95": 0.55
    },
    "loan_over_726200": {
      "ltv_95_or_less": 0.7,
      "ltv_over_95": 0.75
    },
    "duration": "11 years at 90% loan-to-value or less, otherwise the life of the loan"
  },
  "page": "https://movetolowerbucks.com/fha-loans/?utm_source=data-api&utm_medium=referral"
}