SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘FHA Multifamily Loan 
Limit Adjustment Act of 2009’’. 
SEC. 2. FHA MORTGAGE AMOUNT LIMITS FOR ELEVATOR- 
TYPE STRUCTURES. 
(a) AMENDMENTS.—The National Housing Act is 
amended in each of the provisions specified in subsection 
(b)— 
(1) by inserting ‘‘with sound standards of con-
struction and design’’ after ‘‘elevator-type struc-
tures’’ the first place such term appears; and 
(2) by striking ‘‘to not to exceed’’ and all that 
follows through ‘‘sound standards of construction 
and design’’ each place such terms appear and in-
serting ‘‘by not more than 50 percent of the 
amounts specified for each unit size’’. 
(b) PROVISIONS AMENDED.—The provisions of the 
National Housing Act specified in this subsection are as 
follows: 
(1) Subparagraph (A) of section 207(c)(3) (12 
U.S.C. 1713(c)(3)(A)). 
(2) Subparagraph (A) of section 213(b)(2) (12 
U.S.C. 1715e(b)(2)(A)). 
(3) Subclause (I) of section 220(d)(3)(B)(iii) 
(12 U.S.C. 1715k(d)(3)(B)(iii)(I)). 
(4) In section 221(d) (12 U.S.C. 1715l(d))—
(A) subclause (I) of paragraph (3)(ii); and 
(B) subclause (I) of paragraph (4)(ii). 
(5) Subparagraph (A) of section 231(c)(2) (12 
U.S.C. 1715v(c)(2)(A)). 
(6) Subparagraph (A) of section 234(e)(3) (12 
U.S.C. 1715y(e)(3)(A)). 
SEC. 3. FHA MORTGAGE AMOUNT LIMITS FOR EXTREMELY 
HIGH-COST AREAS. 
Section 214 of the National Housing Act (12 U.S.C. 
1715d) is amended— 
(1) in the first sentence— 
(A) by inserting ‘‘, or with respect to 
projects consisting of more than four dwelling 
units located in an extremely high-cost area as 
determined by the Secretary’’ after ‘‘or the Vir-
gin Islands’’ the first place such term appears; 
(B) by inserting ‘‘, or to construct projects 
consisting of more than four dwelling units on 
property located in an extremely high-cost area 
as determined by the Secretary’’ after ‘‘or the 
Virgin Islands’’ the second place such term ap-
pears; and 
(C) by inserting ‘‘, or with respect to 
projects consisting of more than four dwelling 
units located in an extremely high-cost area as
determined by the Secretary’’ after ‘‘or the Vir-
gin Islands’’ the third place such term appears; 
(2) in the second sentence— 
(A) by inserting ‘‘, or with respect to a 
project consisting of more than four dwelling 
units located in an extremely high-cost area as 
determined by the Secretary,’’ after ‘‘or the Vir-
gin Islands’’ the first place such term appears; 
and 
(B) by inserting ‘‘, or in the case of a 
project consisting of more than four dwelling 
units in an extremely high-cost area as deter-
mined by the Secretary, in such extremely high- 
cost area,’’ after ‘‘or the Virgin Islands’’ the 
second place such term appears; and 
(3) in the section heading, by striking ‘‘AND 
THE VIRGIN ISLANDS’’ and inserting ‘‘THE VIRGIN 
ISLANDS, AND EXTREMELY HIGH-COST AREAS’’.
SEC. 4. EFFECTIVE DATE. 
The amendments made by this Act shall apply to 
mortgages insured under title II of the National Housing 
Act after September 30, 2009. 
Passed the House of Representatives September 15, 
2009. 
Attest: 
Clerk.
111TH CONGRESS 
1ST SESSION 
H. R. 3527 
AN ACT 
To increase the maximum mortgage amount limita-
tions under the FHA mortgage insurance pro-
grams for multifamily housing projects with ele-
vators and for extremely high-cost areas.