† HR 3081 EAS 
shall continue in effect, notwithstanding section 209 of such 
Act, through the earlier of: (1) the date specified in section 
106(3) of this Act; or (2) the date of the enactment into 
law of an authorization Act relating to the McKinney-Vento 
Homeless Assistance Act. 
SEC. 144. Notwithstanding any other provision of law 
or of this Act, for mortgages for which the mortgagee issues 
credit approval for the borrower during fiscal year 2011, 
the second sentence of section 255(g) of the National Hous-
ing Act (12 U.S.C. 1715z–20(g)) shall be considered to re-
quire that in no case may the benefits of insurance under 
such section 255 exceed 150 percent of the maximum dollar 
amount in effect under the sixth sentence of section 
305(a)(2) of the Federal Home Loan Mortgage Corporation 
Act (12 U.S.C. 1454(a)(2)). 
SEC. 145. (a) LOAN LIMIT FLOOR BASED ON 2008 
LEVELS.—For mortgages for which the mortgagee issues 
credit approval for the borrower during fiscal year 2011, 
if the dollar amount limitation on the principal obligation 
of a mortgage determined under section 203(b)(2) of the Na-
tional Housing Act (12 U.S.C. 1709(b)(2)) for any size resi-
dence for any area is less than such dollar amount limita-
tion that was in effect for such size residence for such area 
for 2008 pursuant to section 202 of the Economic Stimulus 
Act of 2008 (Public Law 110–185; 122 Stat. 620), notwith-
† HR 3081 EAS 
standing any other provision of law or of this Act, the max-
imum dollar amount limitation on the principal obligation 
of a mortgage for such size residence for such area for pur-
poses of such section 203(b)(2) shall be considered (except 
for purposes of section 255(g) of such Act (12 U.S.C. 1715z– 
20(g))) to be such dollar amount limitation in effect for 
such size residence for such area for 2008. 
(b) DISCRETIONARY AUTHORITY FOR SUB-AREAS.— 
Notwithstanding any other provision of law or of this Act, 
if the Secretary of Housing and Urban Development deter-
mines, for any geographic area that is smaller than an area 
for which dollar amount limitations on the principal obli-
gation of a mortgage are determined under section 
203(b)(2) of the National Housing Act, that a higher such 
maximum dollar amount limitation is warranted for any 
particular size or sizes of residences in such sub-area by 
higher median home prices in such sub-area, the Secretary 
may, for mortgages for which the mortgagee issues credit 
approval for the borrower during fiscal year 2011, increase 
the maximum dollar amount limitation for such size or 
sizes of residences for such sub-area that is otherwise in ef-
fect (including pursuant to subsection (a) of this section), 
but in no case to an amount that exceeds the amount speci-
fied in section 202(a)(2) of the Economic Stimulus Act of 
2008.
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SEC. 146. (a) LOAN LIMIT FLOOR BASED ON 2008 
LEVELS.—For mortgages originated during fiscal year 
2011, if the limitation on the maximum original principal 
obligation of a mortgage that may be purchased by the Fed-
eral National Mortgage Association or the Federal Home 
Loan Mortgage Corporation determined under section 
302(b)(2) of the Federal National Mortgage Association 
Charter Act (12 U.S.C. 1717(b)(2)) or section 305(a)(2) of 
the Federal Home Loan Mortgage Corporation Act (12 
U.S.C. 1754(a)(2)) respectively, for any size residence for 
any area is less than such maximum original principal ob-
ligation limitation that was in effect for such size residence 
for such area for 2008 pursuant to section 201 of the Eco-
nomic Stimulus Act of 2008 (Public Law 110–185; 122 
Stat. 619), notwithstanding any other provision of law or 
of this Act, the limitation on the maximum original prin-
cipal obligation of a mortgage for such Association and Cor-
poration for such size residence for such area shall be such 
maximum limitation in effect for such size residence for 
such area for 2008. 
(b) DISCRETIONARY AUTHORITY FOR SUB-AREAS.— 
Notwithstanding any other provision of law or of this Act, 
if the Director of the Federal Housing Finance Agency de-
termines, for any geographic area that is smaller than an 
area for which limitations on the maximum original prin-
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cipal obligation of a mortgage are determined for the Fed-
eral National Mortgage Association or the Federal Home 
Loan Mortgage Corporation, that a higher such maximum 
original principal obligation limitation is warranted for 
any particular size or sizes of residences in such sub-area 
by higher median home prices in such sub-area, the Director 
may, for mortgages originated during fiscal year 2011, in-
crease the maximum original principal obligation limita-
tion for such size or sizes of residences for such sub-area 
that is otherwise in effect (including pursuant to subsection 
(a) of this section) for such Association and Corporation, 
but in no case to an amount that exceeds the amount speci-
fied in the matter following the comma in section 
201(a)(l)(B) of the Economic Stimulus Act of 2008. 
This Act may be cited as the ‘‘Continuing Appropria-
tions Act, 2011’’. 
Amend the title so as to read: ‘‘An Act making con-
tinuing appropriations for fiscal year 2011, and for other 
purposes.’’. 
Attest: 
Secretary.