Meagan Rochard
Meagan Rochard
The Federal Housing Finance Agency (FHFA) has announced the new 2026 conforming loan limits. These limits determine the maximum loan amount that can be backed by Fannie Mae and Freddie Mac, and they play a big role in how much you can borrow for a conventional loan.
In 2026, the borrowing limit for a single-unit home in most parts of the country will be $832,750, an increase of $26,250 from 2025. This limit may vary greatly, particularly in high-cost areas such as California or Colorado. To search for the exact loan limits in your county, click here: FHFA Conforming Loan Limit Values Map
If you’re planning on buying a new home in 2026, read more about loan limits here:
Frequently Asked Questions About the 2026 Loan Limits:
What are conforming loan limits?
Conforming loan limits are the maximum amount Fannie Mae and Freddie Mac buy from lenders each year. When you stay within these limits, your loan remains “conforming,” which may make the financing process more predictable for many buyers.
Who decides these limits?
The Federal Housing Finance Agency (FHFA) sets the limits each year. The FHFA reviews national home-price data and adjusts the limits when needed.
When will the new 2026 loan limits go into effect?
The 2026 loan limits will go into effect on January 1, 2026. The FHFA usually announces them in late November, but the new limits always begin at the start of the year.
How can I check my county’s 2026 loan limit?
You can check your county’s limit by using the FHFA’s official lookup tool. The tool updates as soon as the FHFA releases the new loan limits.
What should first-time buyers know about loan limits?
Loan limits don’t set home prices, but they do influence which loan programs may fit your situation. When limits rise, first-time buyers may have more room to stay within conventional financing.
