2026 Loan Limits · Reference
2026 loan limits by county.
Conforming (Fannie + Freddie), FHA forward, and HECM limits for every U.S. county. Pulled directly from HUD's official tables. Updated for 2026.
Quick lookup
GSE Baseline (1-unit)
$832,750
Standard conforming limit nationwide
GSE High-Cost Ceiling
$1,249,125
150% of baseline
FHA Floor (1-unit)
$541,287
65% of conforming baseline
HECM Max Claim
$1,249,125
Single national reverse limit
Browse by state
All 50 states + DC
3,235 counties indexed across 56 jurisdictions. Click a state to see every county's limits.
U.S. territories
About this data
Direct from HUD. Updated for 2026.
The numbers on these pages come straight from HUD's Computerized Homes Underwriting Management System (CHUMS). For each county we surface the 1-, 2-, 3-, and 4-unit conforming limits set by FHFA, the FHA forward limits set by HUD, the median sales price the limits are calibrated to, and the cost-class designation.
Why it matters. If your loan amount is at or below the conforming limit for the county, the loan can be sold to Fannie Mae or Freddie Mac 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 the limits each year based on changes in average U.S. home prices.
What is the difference between a standard conforming and a high-cost area?
For 2026, the baseline conforming loan limit is $832,750 for a 1-unit property. In counties where median home prices substantially exceed the baseline, FHFA designates the area "high-cost" and increases the limit up to a ceiling of $1,249,125 (150% of baseline). Hawaii, Alaska, Guam, and the U.S. Virgin Islands receive an additional statutory bump.
How do FHA loan limits differ from conforming limits?
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 conforming baseline). Counties between the two are calculated as 115% of the area median sales price. FHA limits are typically lower than conforming limits in most counties.
Are VA loan limits the same as conforming limits?
For veterans with full entitlement, there is no VA loan limit. The Blue Water Navy Vietnam Veterans Act of 2019 eliminated VA loan limits effective January 1, 2020 for borrowers with full entitlement. For veterans with partial (second-tier) entitlement, the VA still uses conforming loan limits to calculate the maximum guaranty.
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.