One-unit property in most U.S. counties
One-unit maximum in qualifying high-cost areas
One-unit ceiling under special provisions
What conforming means
A conforming loan meets applicable Fannie Mae or Freddie Mac purchase requirements, including the loan limit for the property’s county and unit count. A loan above the applicable limit is generally considered jumbo and follows different investor criteria.
How the 2026 limits work
The 2026 baseline for a one-unit property is $832,750. In qualifying high-cost areas, the limit can rise according to local median home values, up to $1,249,125. Special statutory provisions apply 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.
Do not confuse loan amount with purchase price
The conforming limit applies to the mortgage’s original principal balance, not directly to the home price. A buyer’s down payment can make the purchase price higher than the applicable loan limit while keeping the mortgage within conforming limits.
Confirm the exact county and unit count
Limits vary for two-, three- and four-unit properties and may vary by county. Before relying on a number, confirm the property address, number of units, calendar year and the applicable agency or investor program.
FHFA announced these values on November 25, 2025. The agency reported that the baseline rose by $26,250 from 2025 and that most counties received higher limits.
Personal guidance
Want to discuss how this applies to you?
Greg can help you compare current loan options, documentation, costs and timing for your property and financial goals.
This educational summary was prepared from the referenced official material and reviewed on September 13, 2026. Program rules, limits and eligibility can change. Your lender’s current underwriting requirements and official disclosures control.