2026 Mortgage Loan Limits For Conventional, FHA, & VA Loans
* Ask your lender about their maximum VA loan amount before applying, as lenders may impose their own limits even though VA loans have no official limit.
Fannie Mae & Freddie Mac and the Federal Housing Administration (FHA) publish these mortgage loan limits for every U.S. county.
The USA 2026 Loan Limits
1-Unit
2-Unit
3-Unit
4-Unit
* The Blue Water Navy Vietnam Veterans Act of 2019 repealed VA loan limits starting January 1, 2020. Lenders may impose their own limits, however. Ask your lender about their maximum VA loan amount before applying.
Mortgage loan limits for every U.S. county, as published by Fannie Mae & Freddie Mac, the Federal Housing Administration (FHA), and the Department of Veterans Affairs (VA).
LOAN LIMITS 101
What Are Mortgage Loan Limits?
Mortgage loan limits are the maximum amounts lenders can finance through government-backed and government-sponsored mortgage programs. The Federal Housing Finance Agency (FHFA) sets the annual conforming loan limits for conventional loans purchased by Fannie Mae and Freddie Mac, while the U.S. Department of Housing and Urban Development (HUD) establishes FHA loan limits. For VA loans, the Department of Veterans Affairs (VA) follows the FHFA conforming loan limits for borrowers with partial entitlement. Both FHFA and HUD review and update these limits each year to reflect changes in home prices across the United States.
Baseline Conforming Limit
FHA Floor (Most Counties)
High-Cost Area Limit
Increase from 2025
FIND YOUR LIMIT
Which Mortgage Loan Limit Applies to You?
Your loan limit is determined by the type of mortgage you qualify for.
Conventional Loans
Conventional loans backed by Fannie Mae or Freddie Mac follow the FHFA conforming loan limits. These loans are a popular choice for borrowers with good credit (typically 620+) and a down payment of 3–5% or more.
FHA Loans
FHA loans follow the HUD FHA loan limits. They offer down payments as low as 3.5% and more flexible credit requirements, making them a common option for first-time homebuyers and borrowers with lower credit scores.
VA Loans
Eligible veterans, active-duty service members, and certain surviving spouses with full VA entitlement are not subject to loan limits. Borrowers with partial entitlement are generally subject to the FHFA conforming loan limits.
Compare Mortgage Loan Options Available in WA, OR, ID, CA & CO
1–4 UNIT HOMES
Multi-Unit Property Loan Limits
Loan limits increase as the number of units in a property grows. Because multi-unit homes typically have higher purchase prices, both conforming and FHA loan limits are higher for two-, three-, and four-unit properties.
Loan limits vary by county. Use the lookup tool above to find the limits for your location.
Live Mortgage Rates by State
Compare today’s mortgage rates and get personalized rate quotes based on your location, loan type, and home financing goals.
HIGH-COST COUNTIES
High-Cost Area Loan Limits
Some counties have significantly higher home prices than the national average. To help buyers in these markets, the FHFA and HUD establish higher loan limits for designated high-cost areas.
For 2026, the maximum conforming and FHA loan limit for a one-unit property is $1,063,750. Counties with higher limits include many parts of California, Colorado, Washington.
Use the county lookup above to see whether your area qualifies for higher loan limits.
JUMBO GUIDE
Jumbo Loans Explained
A jumbo loan is any mortgage that exceeds the conforming loan limit for your county.
Because jumbo loans cannot typically be sold to Fannie Mae or Freddie Mac, lenders usually require:
- Higher credit scores
- Larger down payments
- Lower debt-to-income (DTI) ratios
- Additional cash reserves
If the home price exceeds your local conforming loan limit, a jumbo mortgage may be the right financing option.
Learn More2026 vs. 2025 Loan Limit Changes
The 2026 loan limits increased as home values continued to rise across much of the United States.
Loan Limit
2025
2026
Change
Baseline Conforming
$806,500
$832,750
+3.26%
FHA Floor
$524,225
$541,287
+3.26%
High-Cost Ceiling
$1,209,750
$1,249,125
+3.26%
The higher limits allow eligible borrowers to finance more expensive homes while still qualifying for conforming or FHA mortgages instead of a jumbo loan.
LOCAL MARKET EXPERIENCE
States We Lend In
Our loan officers are ready and waiting to help you apply for your home loan.
FAQ
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.
EXPLORE MORE STATES
Pre-Approval in Other States
We offer detailed mortgage pre-approval guides for multiple locations across the Pacific Northwest and beyond. Choose your state to learn more:
HIGH-INTENT TOOLS AND PROGRAMS
