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2026 limits
| One unit | |
|---|---|
| Baseline (most counties) | $832,750 |
| High-cost ceiling | $1,249,125 |
| 2025 baseline | $806,500 |
Alaska, Hawaii, Guam and the U.S. Virgin Islands use the high-cost ceiling as their baseline. Limits for 2–4 unit properties are higher; FHFA publishes the full county table.
Why it matters
Loans at or below the limit can be bought by Fannie Mae and Freddie Mac. Above it you need a jumbo loan, which can have different rates, down payment and reserve rules.
Sources and assumptions
- FHFA: 2026 conforming loan limits ($832,750 baseline; $1,249,125 high-cost ceiling for one unit)
- FHFA conforming loan limit data (county table)
Related
Frequently asked questions
What is the 2026 conforming loan limit?
$832,750 for a one-unit property in most of the U.S., and up to $1,249,125 in high-cost areas.
When do the 2026 limits apply?
To loans acquired by Fannie Mae and Freddie Mac in 2026.