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2013 Area Median Income Estimates

August 7, 2013

The Federal Housing Finance Agency (FHFA) has issued the Area Median Income (AMI) estimates for 2013. Freddie Mac uses the AMI estimates, among other things, to determine eligibility for our Home Possible® Mortgages and the Home Possible post-settlement delivery fees.

Loan Prospector® will be updated on August 25, 2013, with the 2013 AMI estimates, which apply to new submissions and resubmissions on or after August 25, 2013. Sellers must use these estimates for Home Possible Mortgages.

Please note, unlike past years, the AMI estimates for a number of counties will be reduced from the 2012 AMI estimates. To identify potential impacts on mortgages submitted to Loan Prospector prior to August 25, 2013, you should review the 2013 AMI county estimates in the Affordable Income & Property Eligibility tool.

The Affordable Income & Property Eligibility tool on will be updated on August 26, 2013 to reflect FHFA’s 2013 AMI estimates.

For More Information on Area Median Income Estimates

  • Freddie Mac Sellers: Review the 2013 AMI estimates at the Affordable Income & Property Eligibility tool.
  • Third-party originators: Check with your wholesale lender to determine how they plan to address these requirements.

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