"I am delighted to see the HECM lending limit increase for calendar year 2025," said Steve Irwin, president of NRMLA. This change will enhance accessibility for older homeowners needing to leverage their home equity for retirement.
The Federal Housing Administration (FHA) announced that the maximum claim amount for Home Equity Conversion Mortgages (HECMs) will rise to $1,209,750 in 2025, marking a $59,925 increase.
According to HUD, the limit aligns with the conforming loan limits, which increased to $806,500 in 2025. This development reflects ongoing home price appreciation in the U.S.
FHA noted that the annual increase signals a response to home price growth, ensuring more older homeowners can utilize their equity as part of retirement financial planning.
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