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FHA High Balance or FHA Jumbo? What is the difference?
FHA High Balance or FHA Jumbo?  What is the difference?
FHA High Balance or FHA Jumbo?  What is the difference?  (January 2023 update) The answer is simple: None.   FHA loans that are over $726,200 and up to the county FHA Loan Limits are called both FHA Jumbo and FHA High Balance loans.   These are available up to $1,089,300 in areas such as Los Angeles, , Orange County, San Jose, San Francisco, and most of the Bay Area.  San Diego FHA Jumbo's go up to $977,500, while Seattle, Tacoma, King, Pierce,  and Snohomish counties can borrow up to $977,500 on a FHA Jumbo or FHA High Balance loan.
Back in 2008,  when Congress first approved higher loan limits for FHA Loans, I wrote an article about them here to reduce the confusion - FHA Jumbo or FHA Stimulus size.  Now they are simply called FHA Jumbo or FHA High Balance loans. 
The FHA Jumbo or FHA High Balance loan allows home buyers to get into homes with much less cash versus Fannie Mae or Freddie Mac "High Balance" or "agency jumbo" or "Conforming Jumbo" loans.  You may notice the naming confusion with the Conforming Jumbos too!   These loans require 5% down payment for the higher loan amounts ... more

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