# Sizing Sheet

> Pick the right FHA multifamily program and size the loan under HUD's 2026 limits, ratios and MIP: 223(f), 221(d)(4), 223(a)(7) and 241(a).

Sizing Sheet is published by Janover Capital LLC. Contact: desk@janover.co.

A free, read-only MCP server for AI assistants is at https://fhamultifamily.loan/mcp (FHA program chooser, loan sizer, 2026 limits, MIP and fees); setup on https://fhamultifamily.loan/developers/.

## Pages
- [Which FHA program fits, and how big can the loan be?](https://fhamultifamily.loan/): Choose between FHA 223(f), 221(d)(4), 223(a)(7) and 241(a), then size the loan with HUD's 2026 limits, loan ratios and the 0.25% MIP.
- [About Sizing Sheet](https://fhamultifamily.loan/about/): Who publishes Sizing Sheet, where its FHA rules and numbers come from, how it is kept current, and how to reach the commercial mortgage team behind it.
- [Which FHA multifamily program fits? A program chooser](https://fhamultifamily.loan/chooser/): Answer a few questions about the property and the deal to see which FHA multifamily program fits: 223(f), 221(d)(4), 223(a)(7), 241(a), 220 or 231.
- [Send an FHA multifamily deal to the desk](https://fhamultifamily.loan/contact/): Send a 223(f), 221(d)(4), 223(a)(7) or 241(a) deal to the commercial mortgage team at Janover Capital LLC for a first read.
- [FHA multifamily MIP and fees in 2026, by program](https://fhamultifamily.loan/costs/): What an FHA multifamily loan costs to insure and close in 2026: the 0.25% MIP, upfront premium, HUD application and inspection fees, lender fee caps.
- [FHA multifamily limits data, sizer embed and live rates](https://fhamultifamily.loan/data/): Download HUD's 2026 FHA multifamily statutory limits as CSV or JSON, embed the loan sizer on your site, and read live Treasury and SOFR rates.
- [FHA multifamily sizer for AI assistants: MCP server](https://fhamultifamily.loan/developers/): Free MCP server for Claude, ChatGPT and other AI assistants: the FHA multifamily program chooser, loan sizer and HUD's 2026 limits, MIP and fees.
- [Notes from Sizing Sheet](https://fhamultifamily.loan/guides/): All notes from Sizing Sheet, newest first. Which FHA multifamily program fits your deal, and how big the loan can be.
- [2026 FHA multifamily statutory loan limits per unit](https://fhamultifamily.loan/limits/): HUD's 2026 per-unit mortgage limits for Sections 207/223(f), 220, 221(d)(4) and 231, by bedroom count and elevator, plus high-cost percentages.
- [Privacy policy](https://fhamultifamily.loan/privacy/): What Sizing Sheet collects when you visit or contact us, why, who it is shared with, and how to reach us about it.
- [The four FHA multifamily programs that matter](https://fhamultifamily.loan/programs/): 223(f), 221(d)(4), 223(a)(7) and 241(a) side by side for 2026: what each finances, loan ratios, terms, mortgage insurance, fees and Davis-Bacon.
- [FHA 221(d)(4): new construction and substantial rehab](https://fhamultifamily.loan/programs/221d4/): How FHA 221(d)(4) works in 2026: one loan from construction to a 40-year term, 87% and 90% tiers, the middle-income tier, MIP, fees, Davis-Bacon.
- [FHA 223(a)(7): refinancing a loan FHA already insures](https://fhamultifamily.loan/programs/223a7/): How a 223(a)(7) refinance works in 2026: who can use it, the three loan-size tests, the 12-year term extension, no cash out, 0.25% MIP and lower fees.
- [FHA 223(f): buying or refinancing an existing property](https://fhamultifamily.loan/programs/223f/): How the FHA 223(f) loan works in 2026: who qualifies, 87% and 90% loan ratios, 1.15 and 1.11 coverage, 35-year terms, 0.25% MIP, cash-out and repair limits.
- [FHA 241(a): a second loan for improvements](https://fhamultifamily.loan/programs/241a/): How FHA 241(a) supplemental loans work: financing improvements or additions on a property with an FHA first mortgage, sizing tests, MIP and Davis-Bacon.
- [FHA multifamily loan sizer: 223(f) and 221(d)(4), 2026](https://fhamultifamily.loan/sizer/): Size an FHA 223(f) or 221(d)(4) loan the way HUD does: 2026 statutory limits, loan-to-value, debt service coverage and 0.25% MIP. Lowest test controls.
- [Terms of use](https://fhamultifamily.loan/terms/): The terms that apply when you use Sizing Sheet, including what the information here is and is not.

## Notes
- [223(f) or 221(d)(4) for a renovation? Where the line is](https://fhamultifamily.loan/guides/223f-or-221d4-for-a-rehab/): HUD's 2026 substantial rehabilitation line is $20,406 a unit times the high-cost percentage. Below it, 223(f) repairs; above it, 221(d)(4). A worked example.