2026 Conforming Loan Limits Explained
The biggest loan Fannie Mae and Freddie Mac will buy in 2026, for 1 to 4 unit homes, and what it means for your down payment.
Every item cites an official source (FHFA, Fannie Mae, Freddie Mac, HUD or VA) and the date we checked it. Last checked Oct 22, 2026.
Official, in effect 2026 limit: $832,750 for a 1-unit home in most counties
For 2026, FHFA raised the baseline conforming loan limit to $832,750 for one-unit homes, up $26,250 from 2025. In high-cost counties the limit can go up to $1,249,125. Alaska, Hawaii, Guam and the U.S. Virgin Islands have a baseline of $1,249,125 and a ceiling of $1,873,675. The limits apply to loans delivered on or after Jan 1, 2026.
2- to 4-unit limits (most counties): 2 units $1,066,250 · 3 units $1,288,800 · 4 units $1,601,750. Check your county, because high-cost counties are higher.
- Home price $900,000 in a baseline county (for example, Osceola County, FL).
- With 10% down, the loan is $810,000. That is under $832,750, so it is conforming.
- With 5% down, the loan is $855,000. That is over $832,750, so it is a jumbo loan in that county.
Example numbers are for learning only. Your lender's figures will differ.
Source: FHFA news release, Nov 25, 2025 · FHFA 2026 county loan limit list · Fannie Mae Lender Letter LL-2025-04, Nov 25, 2025 · Checked Oct 22, 2026
General information only. Not legal, tax or financial advice. RentToolkit is not a lender, law firm or financial adviser. Mortgage rules change often and lenders can add stricter rules of their own ("overlays"), so confirm with the official source and a licensed loan officer before you act.