2026 Loan Limits · Universal Lookup
2026 loan limits for any U.S. county.
Pick a state and county. We'll surface the FHA Forward limit, the FHFA conforming limit, VA entitlement context, USDA eligibility, and county income data side by side. Direct from HUD CHUMS.
Pick a county to see all the limits.
GSE Baseline (1u)
$832,750
Standard conforming limit nationwide
GSE High-Cost Ceiling
$1,249,125
150% of baseline
FHA Floor (1u)
$541,287
65% of conforming baseline
HECM Max Claim
$1,249,125
Single national reverse limit
3,235 counties indexed across 56 jurisdictions.
Looking at a Florida county? We have editorial deep-dives on Miami-Dade, Broward, Palm Beach, Hillsborough, and Orange. Those pages add current monthly market data and county commentary on top of the limits.
About this tool
Direct from HUD. Updated for 2026.
Numbers come straight from HUD's Computerized Homes Underwriting Management System (CHUMS): the canonical FHFA conforming limits, FHA Forward (203b) limits, the median sales price the limits are calibrated to, and the cost-class designation. Census ACS demographics layer on top.
Why it matters. If your loan amount is at or below the conforming limit for the county, the loan can be sold to Fannie or Freddie and you get the most competitive pricing. Above the limit and the loan is jumbo: pricing, underwriting, and reserve requirements all change.
How we use it. Every loan we structure starts with confirming the limit for your county. If you're shopping multiple properties across counties, the limit can change which product is the right fit.
FAQ
What is a conforming loan limit?
A conforming loan limit is the maximum loan amount Fannie Mae and Freddie Mac will purchase from a lender. Loans above the limit are called jumbo and are held in lender portfolios or sold to private investors. The Federal Housing Finance Agency (FHFA) sets conforming limits each year based on changes in average U.S. home prices.
How is FHA different from conforming?
FHA Forward (203b) loan limits are set by HUD using a different formula. The 2026 floor is $541,287 (65% of conforming baseline) and the ceiling is $1,249,125 (150% of baseline). Counties between are calculated as 115% of the area median sales price. FHA limits are usually lower than conforming limits.
Are VA loan limits the same as conforming?
For veterans with full entitlement, there is no per-county VA loan limit. The Blue Water Navy Vietnam Veterans Act of 2019 eliminated VA loan limits for full-entitlement borrowers effective January 1, 2020. For partial (second-tier) entitlement, the VA still uses the conforming 1-unit limit to compute the maximum guaranty.
How does USDA eligibility work?
USDA Rural Development eligibility is determined per address against USDA's eligibility map, not per county. There is no county-level cap. Section 502 Guaranteed pairs zero-down financing with an income cap (115% of HUD AMI for the county) and a property cap (the eligibility map). Run any specific address through the official USDA tool to confirm.
What is the 2026 HECM (reverse mortgage) limit?
The HECM Maximum Claim Amount for 2026 is $1,249,125 nationwide. Unlike forward mortgages, HECM uses a single national limit; high-cost areas do not receive an upward adjustment.
How often are loan limits updated?
FHFA announces conforming loan limits in late November for the following calendar year. HUD announces FHA limits in early December, typically within two weeks of FHFA. New limits take effect on January 1.