The new 2026 Conforming Loan Limits have just been published by Fannie Mae. Buyers can look up their state and county loan limits below. Most of the nation saw an increase of $26,250 in the conventional loan amount limits. Overall, the loan limits have increased over 70% in the last five years. That’s great news for home buyers and the housing market in general.
The old Fannie Mae / Freddie Mac limit was $806,500, the new limit has increased to $832,750 for most of the nation. Some high-cost locations in California, Colorado, Florida, DC Virginia, etc have loan limits of up to $1,249,125. Buyers who have questions can contact us by calling or submitting the Quick Contact Form on this page.
The map below shows all the high-cost areas (orange and yellow colors) please see the complete 2026 Conforming Loan Limit Map below.
Any mortgage amount exceeding the new conventional loan limit will be classified as Jumbo. Jumbo mortgage options are now available to qualified buyers up to 95% financing, please read the main home page for more information about low down payment Jumbo programs.
Note, all loan amount limits below apply to standard 1-unit properties. See the chart below for muti-unit. Please connect with us 7 days a week with questions or to learn more about Jumbo financing options.
Base Conforming Loan Limits for 2026
| Standard Limit | High-Cost Area | |
| 1 Unit | $832,750 | $1,249,125 |
| 2 Units | $1,066,250 | $1,599,375 |
| 3 Units | $1,288,800 | $1,933,200 |
| 4 Units | $1,601,750 | $2,402,625 |
Questions? Please connect with us by calling or just submit the Quick Contact Form below.
