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MSA Name	County Name	State	One-Family	Two-Family	Three-Family	Four-Family	Last Revised	Limit Year
GAINESVILLE, FL (MSA)	ALACHUA	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
JACKSONVILLE, FL (MSA)	BAKER	FL	$304,750	$390,100	$471,550	$586,050	01/01/2009	CY2009
PANAMA CITY-LYNN HAVEN, FL (MSA)	BAY	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	BRADFORD	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
PALM BAY-MELBOURNE-TITUSVILLE, FL (MSA)	BREVARD	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL	BROWARD	FL	$345,000	$441,650	$533,850	$663,450	01/01/2009	CY2009
NON-METRO	CALHOUN	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
PUNTA GORDA, FL (MSA)	CHARLOTTE	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
HOMOSASSA SPRINGS, FL (MICRO)	CITRUS	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
JACKSONVILLE, FL (MSA)	CLAY	FL	$304,750	$390,100	$471,550	$586,050	01/01/2009	CY2009
NAPLES-MARCO ISLAND, FL (MSA)	COLLIER	FL	$448,500	$574,150	$694,000	$862,500	01/01/2009	CY2009
LAKE CITY, FL (MICRO)	COLUMBIA	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
ARCADIA, FL (MICRO)	DE SOTO	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	DIXIE	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
JACKSONVILLE, FL (MSA)	DUVAL	FL	$304,750	$390,100	$471,550	$586,050	01/01/2009	CY2009
PENSACOLA-FERRY PASS-BRENT, FL (MSA)	ESCAMBIA	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
PALM COAST, FL (MICRO)	FLAGLER	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	FRANKLIN	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
TALLAHASSEE, FL (MSA)	GADSDEN	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
GAINESVILLE, FL (MSA)	GILCHRIST	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	GLADES	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	GULF	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	HAMILTON	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
WAUCHULA, FL (MICRO)	HARDEE	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
CLEWISTON, FL (MICRO)	HENDRY	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
TAMPA-ST. PETERSBURG-CLEARWATER, FL (MSA)	HERNANDO	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
SEBRING, FL (MICRO)	HIGHLANDS	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
TAMPA-ST. PETERSBURG-CLEARWATER, FL (MSA)	HILLSBOROUGH	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	HOLMES	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
SEBASTIAN-VERO BEACH, FL (MSA)	INDIAN RIVER	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	JACKSON	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
TALLAHASSEE, FL (MSA)	JEFFERSON	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	LAFAYETTE	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
ORLANDO-KISSIMMEE, FL (MSA)	LAKE	FL	$274,850	$351,850	$425,300	$528,550	01/01/2009	CY2009
CAPE CORAL-FORT MYERS, FL (MSA)	LEE	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
TALLAHASSEE, FL (MSA)	LEON	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	LEVY	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	LIBERTY	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO	MADISON	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
BRADENTON-SARASOTA-VENICE, FL (MSA)	MANATEE	FL	$285,200	$365,100	$441,300	$548,450	01/01/2009	CY2009
OCALA, FL (MSA)	MARION	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
PORT ST. LUCIE-FORT PIERCE, FL (MSA)	MARTIN	FL	$316,250	$404,850	$489,350	$608,150	01/01/2009	CY2009
MIAMI-MIAMI BEACH-KENDALL, FL METROPOLITAN DIVISIO	MIAMI-DADE	FL	$345,000	$441,650	$533,850	$663,450	01/01/2009	CY2009
KEY WEST-MARATHON, FL (MICRO)	MONROE	FL	$529,000	$677,200	$818,600	$1,017,300	01/01/2009	CY2009
JACKSONVILLE, FL (MSA)	NASSAU	FL	$304,750	$390,100	$471,550	$586,050	01/01/2009	CY2009
FORT WALTON BEACH-CRESTVIEW-DESTIN, FL (MSA)	OKALOOSA	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
OKEECHOBEE, FL (MICRO)	OKEECHOBEE	FL	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
ORLANDO-KISSIMMEE, FL (MSA)	ORANGE	FL	$274,850	$351,850	$425,300	$528,550	01/01/2009	CY2009
ORLANDO-KISSIMMEE, FL (MSA)	OSCEOLA	FL	$274,850	$351,850	$425,300	$528,550	01/01/2009	CY2009
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL METRO	PALM BEACH	FL	$345,000	$441,650	$533,850	$663,450	01/01/2009	CY2009

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The CY2009 basic standard mortgage limits for FHA insured loans are:
		One-family	Two-family	Three-family	Four-family
	FHA Forward	$271,050.00	$347,000.00	$419,425.00	$521,250.00
	HECM	$417,000.00
	HOPE for Homeowners	$550,440.00
	Fannie/Freddie	$417,000.00	$533,850.00	$645,300.00	$801,950.00

High cost area limits are subject to a ceiling based on a percent of the Freddie Mac Loan limits The ceilings for CY2009 are:
		One-family	Two-family	Three-family	Four-family
	FHA Forward	$625,500.00	$800,775.00	$967,950.00	$1,202,925.00
	HECM	$417,000.00
	Fannie/Freddie	$625,500.00	$800,775.00	$967,950.00	$1,202,925.00

Section 214 of the National Housing Act provides that mortgage limits for Alaska, Guam, Hawaii, and the Virgin Islands may be adjusted up to 150 percent of the new ceilings. This results in new CY2009 ceilings for these areas of:
		One-family	Two-family	Three-family	Four-family
	FHA Forward	$938,250.00	$1,201,162.00	$1,451,925.00	$1,804,387.00
	Fannie/Freddie	$938,250.00	$1,201,162.00	$1,451,925.00	$1,804,387.00