Conforming Loan Limits 2026: County Lookup, Jumbo Check and 2027 Status
Look up the 2026 conforming loan limit for any county and for one- to four-unit properties, and check whether a loan is conforming or jumbo. FHFA has not announced the 2027 limits yet, and this page does not guess at them.
Maintained by Archie Chang · Sources checked against FHFA, statute text and agency pages on October 29, 2026 · Methodology & sources
2027 conforming loan limits: FHFA status
As of October 29, 2026, FHFA has not announced the 2027 conforming loan limits. FHFA’s conforming loan limits page lists the 2026 limits as the newest, and FHFA announced them on November 25, 2025.
On the schedule, FHFA’s own FAQ says:
“At the end of each November, FHFA updates the CLL based on rules set forth in HERA. The CLL takes effect a month later, on Jan. 1.”
This page publishes no 2027 numbers and no estimates. The limits below are the official 2026 limits; when FHFA announces the 2027 limits, this page will switch to them.
FedRateCalc is an independent site and is not affiliated with the Federal Housing Finance Agency, Fannie Mae, Freddie Mac or any government agency.
2026 conforming loan limits: baseline, high-cost ceiling and special areas
FHFA announced the 2026 limits on November 25, 2025:
“In most of the United States, the 2026 CLL value for one-unit properties will be $832,750, an increase of $26,250 from 2025.”
“The new ceiling loan limit for one-unit properties will be $1,249,125, which is 150 percent of $832,750.”
“Special statutory provisions establish different loan limits for Alaska, Hawaii, Guam, and the U.S. Virgin Islands. In these areas, the baseline loan limit and the ceiling loan limit for one-unit properties will be $1,249,125 and $1,873,675, respectively.”
| Limit | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Baseline (most of the U.S.) | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| High-cost area ceiling† | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Alaska, Hawaii, Guam, U.S. Virgin Islands: baseline† | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Alaska, Hawaii, Guam, U.S. Virgin Islands: ceiling | $1,873,675 | — | — | — |
| Alaska, Hawaii, Guam, U.S. Virgin Islands: highest county in FHFA’s list | $1,299,500 | $1,663,600 | $2,010,950 | $2,499,100 |
The one-unit baseline, the one-unit ceiling and the special-area one-unit figures are from FHFA’s release. The two-, three- and four-unit baselines are from FHFA’s addendum, which says:
“For most areas (other than Alaska, Hawaii, Guam, and the U.S. Virgin Islands), the loan limit values for 2026 are $1,066,250, $1,288,800, and $1,601,750 for two-, three-, and four-unit homes, respectively.”
† The two- to four-unit ceilings and the two- to four-unit special-area baselines are the highest and lowest limits in the FHFA 2026 county list for those areas, and they are 150 percent of the baselines; FHFA states the one-unit values. FHFA’s release states the special-area ceiling for one-unit properties only, and no county in the list reaches it, so the last row shows the highest county limit in the list. On rounding, FHFA’s FAQ says:
“We round baseline loan limit values down to the nearest $50 and high-cost area loan limit values down to the nearest $25.”
The high-cost ceiling applies only where local home values are high enough. FHFA’s release explains when a local limit is above the baseline:
“For areas in which 115 percent of the local median home value exceeds the baseline conforming loan limit value, the applicable loan limit will be higher than the baseline loan limit.”
County lookup and conforming or jumbo check
FHFA’s FAQ says the limit is set by county:
“CLL is based on the county or county equivalent where a property is located.”
Choose a state to load its counties, then a county, the number of units and your loan amount. The 2026 limits come from FHFA’s county list; the county file is loaded only after you choose a state. A loan above the limit counts as jumbo. This page treats a loan equal to the limit as within it, because the statutes set limitations on the maximum original principal obligation. FHFA’s conforming loan limits page words it as origination balances below a specific amount, so confirm an exact-at-the-limit loan with your lender.
2026 county limit and conforming or jumbo check
Choose the state and county where the property is.
This compares the loan amount with FHFA’s county limit only. It does not check FHA or VA limits, and it is not a loan offer.
How FHFA sets the conforming loan limit
FHFA’s 2026 release describes the yearly adjustment:
“The Housing and Economic Recovery Act (HERA) requires FHFA to adjust the Enterprises’ baseline CLL value each year to reflect the change in the average U.S. home price.”
“According to the nominal, seasonally adjusted, expanded-data FHFA HPI, house prices increased 3.26 percent, on average, between the third quarters of 2024 and 2025.”
The statute for Fannie Mae, 12 U.S.C. 1717(b)(2), says:
“Each adjustment shall be made by adding to each such amount (as it may have been previously adjusted) a percentage thereof equal to the percentage increase, during the most recent 12-month or 4-quarter period ending before the time of determining such annual adjustment, in the housing price index maintained by the Director of the Federal Housing Finance Agency (pursuant to section 4542 of this title). If the change in such house price index during the most recent 12-month or 4-quarter period ending before the time of determining such annual adjustment is a decrease, then no adjustment shall be made for the next year, and the next adjustment shall take into account prior declines in the house price index, so that any adjustment shall reflect the net change in the house price index since the last adjustment. Declines in the house price index shall be accumulated and then reduce increases until subsequent increases exceed prior declines.”
The statute for Freddie Mac, 12 U.S.C. 1454(a)(2), uses the same wording:
“Each adjustment shall be made by adding to each such amount (as it may have been previously adjusted) a percentage thereof equal to the percentage increase, during the most recent 12-month or 4-quarter period ending before the time of determining such annual adjustment, in the housing price index maintained by the Director of the Federal Housing Finance Agency (pursuant to section 4542 of this title). If the change in such house price index during the most recent 12-month or 4-quarter period ending before the time of determining such annual adjustment is a decrease, then no adjustment shall be made for the next year, and the next adjustment shall take into account prior declines in the house price index, so that any adjustment shall reflect the net change in the house price index since the last adjustment. Declines in the house price index shall be accumulated and then reduce increases until subsequent increases exceed prior declines.”
The Fannie Mae statute also covers the special areas and the high-cost areas:
“The foregoing limitations may be increased by not to exceed 50 per centum with respect to properties located in Alaska, Guam, Hawaii, and the Virgin Islands.”
“Such foregoing limitations shall also be increased, with respect to properties of a particular size located in any area for which 115 percent of the median house price for such size residence exceeds the foregoing limitation for such size residence, to the lesser of 150 percent of such limitation for such size residence or the amount that is equal to 115 percent of the median house price in such area for such size residence.”
For properties with two to four units, FHFA’s addendum says:
“HERA requires that baseline loan limit values for two-, three-, and four-unit properties be increased by the same percentage as the increase in the one-unit limit value.”
What a jumbo loan is
FHFA’s conforming loan limits page defines both terms:
“Fannie Mae and Freddie Mac are restricted by law to purchasing single-family mortgages with origination balances below a specific amount, known as the ‘conforming loan limit’ (CLL).”
“Loans above this amount are known as jumbo loans.”
FHFA’s FAQ, answering “What are the Conforming Loan Limit (CLL) values?”, describes the limit as a ceiling on the loan, not on the home price:
“The highest loan amount for mortgages that Fannie Mae or Freddie Mac can acquire.”
“This limit restricts the size of loan originations that the Enterprises can purchase (but not the price of homes) across the nation except in a small amount of high-cost or statutory areas.”
The statutes for both companies speak of a maximum. Fannie Mae, 12 U.S.C. 1717(b)(2):
“The corporation shall establish limitations governing the maximum original principal obligation of conventional mortgages that are purchased by it; in any case in which the corporation purchases a participation interest in such a mortgage, the limitation shall be calculated with respect to the total original principal obligation of the mortgage and not merely with respect to the interest purchased by the corporation.”
Freddie Mac, 12 U.S.C. 1454(a)(2):
“The Corporation shall establish limitations governing the maximum original principal obligation of conventional mortgages that are purchased by it; in any case in which the Corporation purchases a participation interest in such a mortgage, the limitation shall be calculated with respect to the total original principal obligation of the mortgage and not merely with respect to the interest purchased by the Corporation.”
So whether a loan is jumbo depends on the loan amount, the county and the number of units. Use the check above with your county. To see the monthly payment for a different loan amount, use the mortgage calculator.
FHA and VA loan limits are separate
FHA. HUD sets FHA loan limits. FHFA’s FAQ says:
“FHA calculates forward mortgage limit values based on the median house prices in accordance with the National Housing Act.”
Look up your county on HUD’s FHA Mortgage Limits page. HUD describes it this way:
“This page allows you to look up the FHA or GSE mortgage limits for one or more areas, and list them by state, county, or Metropolitan Statistical Area.”
This page states no FHA figures.
VA. VA’s loan limits page says when the county loan limit comes into play:
“If you don’t have full entitlement, your remaining bonus entitlement is based on the county loan limit where you plan to buy or refinance a home, minus the amount of your entitlement you’ve already used.”
“You’ll want to use the One-Unit Limit, even if your property has more than one unit.”
FHFA’s FAQ adds:
“With the passage of the Blue Water Navy Vietnam Veterans Act of 2019, veteran borrowers are no longer limited to the FHFA CLL.”
To work out your remaining bonus entitlement and the down payment it may leave, use the VA entitlement calculator, which uses the one-unit county limit from FHFA’s list.
Frequently asked questions
What are the conforming loan limits for 2026?
FHFA’s 2026 baseline conforming loan limit for one-unit properties is $832,750 in most of the United States. The baseline for two-, three- and four-unit properties is $1,066,250, $1,288,800 and $1,601,750. In high-cost areas the limit can be higher, up to a ceiling of $1,249,125 for one unit, which is 150 percent of the baseline. In Alaska, Hawaii, Guam and the U.S. Virgin Islands the one-unit baseline is $1,249,125 and the ceiling is $1,873,675. FHFA announced these on November 25, 2025.
What is the jumbo loan limit?
The jumbo loan limit is the conforming loan limit for the county and the number of units. FHFA says Fannie Mae and Freddie Mac are restricted by law to purchasing single-family mortgages with origination balances below a specific amount, known as the conforming loan limit, and that loans above this amount are known as jumbo loans. The limit depends on the county and on the number of units, so the same loan can be conforming in one county and jumbo in another. This page’s check compares your loan amount with the county limit for 1 to 4 units.
Is a loan exactly at the conforming loan limit a conforming loan?
FHFA’s FAQ describes the limit as the highest loan amount for mortgages that Fannie Mae or Freddie Mac can acquire and calls loans above the limit jumbo, and the statutes for both companies set limitations on the maximum original principal obligation. On that reading a loan equal to the county limit is within it and one dollar more is above it. FHFA’s conforming loan limits page words the limit as origination balances below a specific amount, so confirm an exact-at-the-limit loan with your lender. The limit applies to the size of the loan, not the price of the home.
How do I find the conforming loan limit for my county?
FHFA sets the limit by county or county equivalent. Choose your state and county in the lookup above to see the 2026 limit for one to four units, taken from FHFA’s county list. FHFA says most counties (over 95 percent) are assigned the baseline; counties in high-cost areas have a higher limit, up to the ceiling. Connecticut appears as planning regions and Louisiana as parishes, the way FHFA lists them.
Do the conforming loan limits apply to FHA and VA loans?
FHA limits are set separately by HUD, so look yours up on HUD’s FHA Mortgage Limits page; this page states no FHA figures. For VA loans, FHFA says that since the Blue Water Navy Vietnam Veterans Act of 2019 veteran borrowers are no longer limited to the FHFA limit. VA still uses the county loan limit to work out remaining bonus entitlement when you do not have full entitlement; the VA entitlement calculator on this site uses the one-unit limit for that.
How does FHFA change the conforming loan limit each year?
The Housing and Economic Recovery Act requires FHFA to adjust the baseline each year to reflect the change in the average U.S. home price. For 2026, FHFA reported that house prices increased 3.26 percent, on average, between the third quarters of 2024 and 2025, and the baseline rose by the same percentage to $832,750, an increase of $26,250 from 2025. The statutes for Fannie Mae (12 U.S.C. 1717(b)(2)) and Freddie Mac (12 U.S.C. 1454(a)(2)) tie the adjustment to the housing price index maintained by FHFA.
When will the 2027 conforming loan limits be announced?
As of October 29, 2026, FHFA has not announced the 2027 conforming loan limits. FHFA announced the 2026 limits on November 25, 2025. FHFA’s FAQ says: “At the end of each November, FHFA updates the CLL based on rules set forth in HERA. The CLL takes effect a month later, on Jan. 1.” This page publishes no 2027 figures and no estimates until FHFA does.
Sources
- FHFA news release: conforming loan limit values for 2026
- FHFA conforming loan limits page
- FHFA 2026 county list (XLSX)
- FHFA addendum: calculating 2026 limits under HERA (PDF)
- FHFA conforming loan limit FAQs (PDF)
- 12 U.S.C. 1717, United States Code 2024 Edition (govinfo)
- 12 U.S.C. 1454, United States Code 2024 Edition (govinfo)
- 12 U.S.C. 1717, Legal Information Institute (secondary)
- 12 U.S.C. 1454, Legal Information Institute (secondary)
- VA home loan entitlement and limits
- HUD FHA Mortgage Limits lookup