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2026 Loan Limits Finder

Look up the 2026 conforming (Fannie Mae and Freddie Mac) and FHA loan limits for any U.S. county, for 1- to 4-unit homes.

2026 Loan Limits by County

Choose a state and county. Limits are set by county and apply to loans made in 2026.

Estimates for planning only, not a loan offer or financial advice. Program rules checked October 22, 2026; property tax defaults from Census 2024 data. Your lender's Loan Estimate has your actual numbers.

What these limits mean

  • Conforming loan limit: the largest conventional loan Fannie Mae and Freddie Mac can buy. For 2026 it is $832,750 for a one-unit home in most counties and up to $1,249,125 in high-cost areas. A larger conventional loan is a jumbo loan, which usually needs a bigger down payment and higher credit.
  • FHA loan limit: the largest mortgage FHA will insure in the county. For 2026 it runs from a $541,287 floor to a $1,249,125 ceiling for a one-unit home, based on local home prices.
  • 2- to 4-unit homes have higher limits, shown in the table for each county.

Loans without a county limit

VA loans have no limit for borrowers with full entitlement; the conforming limit matters only if part of your entitlement is already in use. USDA guaranteed loans don't cap the loan amount but do cap household income, which you can check with the USDA income limits tool.

These limits apply to loans made in 2026. FHFA and HUD publish new limits each November and December.

Frequently asked questions

What is the conforming loan limit for 2026?+
$832,750 for a one-unit home in most U.S. counties, and up to $1,249,125 in high-cost areas. Alaska, Hawaii, Guam and the U.S. Virgin Islands have higher limits.
What is the FHA loan limit for 2026?+
From $541,287 to $1,249,125 for a one-unit home, depending on the county. Use the finder above for your county's exact limit.
What happens if I need a bigger loan than the limit?+
For a conventional loan, borrowing above the conforming limit makes it a jumbo loan with stricter requirements. For FHA, you would need a larger down payment so the loan fits under the county limit, or a different loan type.
Do VA loans have a limit?+
Not for borrowers with full entitlement. If you have an active VA loan or used entitlement that hasn't been restored, the county conforming limit affects how much you can borrow with no down payment.

Sources

Last verified October 22, 2026.