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

(Single Family)

2-Unit

(Duplex)

3-Unit

(Triplex)

4-Unit

(Fourplex)

Conforming Loan Limit

^$832,750

FHA Loan Limit

^$541,287

VA Loan Limit

No Limits*

Conforming Loan Limit

^$1,066,250

FHA Loan Limit

^$693,050

VA Loan Limit

No Limits*

Conforming Loan Limit

^$1,288,800

FHA Loan Limit

^$837,700

VA Loan Limit

No Limits*

Conforming Loan Limit

^$1,601,750

FHA Loan Limit

^$1,041,125

VA Loan Limit

No Limits*

* The Blue Water Navy Vietnam Veterans Act of 2019 repealed VA loan limits starting January 1, 2020.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).

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FAQs

Why do loan limits exist?

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

What is a conforming loan?

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

What is a jumbo loan?

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

Do loan limits vary by location?

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

How are loan limits determined?

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

Can I borrow more than the loan limit?

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

What is the loan-to-value (LTV) ratio?

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

Are there government-backed mortgage programs?

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

What is mortgage pre-approval?

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

Do loan limits apply to refinancing?

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

Can loan limits change annually?

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

Does Sammamish Mortgage offer jumbo loans?

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.