2026 Mortgage Loan Limits For Conventional, FHA, & VA Loans

Loan limits help lenders manage risk and ensure loans conform to government-backed guidelines.

A conforming loan meets the criteria set by government-sponsored entities like Fannie Mae or Freddie Mac, including loan limits.

A jumbo loan is a mortgage that is higher than the conforming loan limit and typically has stricter credit and income requirements.

Yes, loan limits can differ based on the cost of living and housing prices in your region.

Loan limits are set annually by housing authorities and reflect changes in average home prices.

Yes, but you’ll need a jumbo loan or alternative financing, which may come with higher interest rates.

LTV compares the loan amount to the appraised value of the property and affects your eligibility and interest rate.

Yes, programs like FHA and VA loans offer insured mortgages with flexible terms.

Pre-approval is a lender’s estimate of how much you can borrow based on your financial profile.

Yes, refinancing is subject to the same loan limit rules as new mortgages.

Yes, housing authorities review and adjust limits each year based on market trends.

Yes, Sammamish Mortgage offers jumbo loans to borrowers seeking financing that exceeds conforming loan limits. These loans are available in high-cost counties in Washington, Oregon, Idaho, Colorado, and California, and are designed for purchasing more expensive homes.