2026 Loan Limits
At the start of most years, the loan amount limits for the popular conforming loan and FHA loan programs are raised to keep pace with rising home values. Increasing these limits allows borrowers to purchase or refinance homes for a larger loan amount than previously available. Every county has specific limits based on local home values. Here’s how these limits are changing for 2026.
Conforming Loan Limits
Conforming loans are popular because they generally offer lower rates, fees, and down payment minimums and more flexible requirements than non-conforming (aka jumbo) loans.
Baseline Loan Limits (most of the U.S.)
Property # of Units
2025 Limits
2026 Limits
One
$806,500
$832,750
Two
$1,032,650
$1,066,250
Three
$1,248,150
$1,288,800
Four
$1,551,250
$1,601,750
High-Cost Area Maximum Loan Limits
Property # of Units
2025 Limits
2026 Limits
One
$1,209,750
$1,249,125
Two
$1,548,975
$1,599,375
Three
$1,872,225
$1,933,200
Four
$2,326,875
$2,402,625
2026 Conforming Loan Limits Map
Baseline loan limits are higher in Alaska and Hawaii, and high-cost area limits are higher in Hawaii.
The Money Store is offering the new limits effective immediately.
To look up the specific conforming loan limits for a county, visit this page.
FHA Loan Limits
FHA loans are popular for offering down payment minimums as low as 3.5% and credit score minimums as low as 580.
Low-Cost Area Floor Loan Limits
Property # of Units
2025 Limits
2026 Limits
One
$524,225
$541,287
Two
$671,200
$693,050
Three
$811,275
$837,700
Four
$1,008,300
$1,041,125
High-Cost Area Ceiling Loan Limits
Property # of Units
2025 Limits
2026 Limits
One
$1,209,750
$1,249,125
Two
$1,548,975
$1,599,375
Three
$1,872,225
$1,933,200
Four
$2,326,875
$2,402,625
FHA loan limits are higher in Alaska and Hawaii.
The new FHA loan limits are available for loans with FHA case numbers on or after January 1, 2026.
To look up the specific FHA loan limit for a county, visit this page, and be sure to select “CY2026” for the limit year.
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