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Loan limits: conforming, FHA and jumbo

By Samprit Biswas, editor · Updated October 8, 2026

How large a loan can be depends on who will buy or insure it. Each year two agencies set a limit for every county: one for the loans Fannie Mae and Freddie Mac buy, and one for the loans the Federal Housing Administration (FHA) insures.

2026 loan limits for a one-unit home
  • FHA, most counties$541,287
  • Conforming, most counties$832,750
  • FHA, its highest county outside Alaska and Hawaii$1,249,125
  • Conforming, its highest county outside Alaska and Hawaii$1,249,125

156 counties are above the conforming standard, and 398 above the FHA's.

Published limits · HUD, 2026 · FHFA, 2026

Sources and licences
FHA loan limits (HUD)

FHA forward mortgage limits by county from the U.S. Department of Housing and Urban Development; a U.S. government work in the public domain.

Conforming loan limits (FHFA)

Conforming loan limits by county from the Federal Housing Finance Agency; a U.S. government work in the public domain.

Conforming loans

The Federal Housing Finance Agency (FHFA) sets the conforming limit each November for the year ahead, from home prices. Most counties share the standard limit; where homes cost more, the limit is higher, up to a ceiling. Alaska, Hawaii, Guam and the U.S. Virgin Islands may go higher still.

Jumbo loans

A loan above its county's conforming limit is a jumbo loan. Fannie Mae and Freddie Mac do not buy it, so each lender prices it on its own terms, often asking for more down and stronger credit. Our estimates do not cover jumbo loans yet.

FHA loans

The Department of Housing and Urban Development (HUD) sets the FHA limit from the conforming one: a national floor for most counties, rising in costlier ones to a ceiling. An FHA loan accepts a smaller down payment and lower credit scores, and charges mortgage insurance.

Your county's limit

Limits are set county by county. The Rates hub gives each state's range and links to the agencies' own lookups for your county.

Find your state's loan limits

How to cite this page

InfinityRateWatch. "Loan limits: conforming, FHA and jumbo." https://infinityratewatch.com/learn/conforming-loan-limits/. Data as of Oct 8, 2026.