The Federal Housing Finance Agency (FHFA) has increased the Area Median Income (AMI) limits most areas in 2025.¹ While this might sound like technical jargon, it actually translates to expanded homeownership opportunities for many potential buyers.

What Are AMI Limits and Why Do They Matter?

AMI limits are income thresholds used to determine eligibility for various affordable mortgage programs. These limits are set at the county level, meaning they vary depending on where you live. Higher limits mean more households qualify for specialized loans with great terms, lower down payment requirements and reduced fees.

How This Affects You

As of May 18, 2025, these higher income limits apply to programs like Freddie Mac’s Home Possible^® (up to 80% of AMI), Refi Possible^® (up to 100% of AMI), and Fannie Mae’s HomeReady^®. The changes also impact the Ameris Down Payment Grant Program and a variety of state and local housing affordability programs. For first-time homebuyers especially, these programs can significantly reduce the financial barriers to homeownership.

Real Benefits for Real People

These changes mean families who previously earned just above the qualifying threshold may be eligible for these mortgages. For example, in Fulton County, Atlanta, GA, the AMI rose from $106,100 in 2024 to $113,500 in 2025²—potentially helping more households qualify. Borrowers may also qualify for credit fee caps and credits, potentially saving thousands on their home financing. 

Next Steps

Considering buying a home and want to see if you qualify for an affordable lending program? Our mortgage professionals can help you navigate these new opportunities and find the right financing for you needs.

Contact us today to learn how these expanded AMI limits might benefit you on your homeownership journey.


Sources:
¹ https://sf.freddiemac.com/articles/news/qualify-more-borrowers-updated-ami-limits-released
² https://sf.freddiemac.com/working-with-us/affordable-lending/area-median-income-and-property-eligibility-tool


The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.