2026 limits

Conforming and FHA loan limits by county. $832,750

The 2026 figures for 271 counties across 20 states, straight from FHFA and HUD.

Start your application or call (949) 522-7310

What is the 2026 conforming loan limit?

The 2026 baseline conforming loan limit for a one-unit home is $832,750. Higher-cost counties get a larger ceiling set by FHFA — 31 of the 271 counties listed here are above the baseline. Borrow more than your county's limit and the loan becomes a jumbo.

Why county matters

Limits are set per county, not per state.

A buyer in one county can borrow far more inside conforming guidelines than a buyer an hour away, and the figures change every year. Each page below lists the 2026 conforming limits for one to four units alongside that county’s FHA limit, sourced from the Federal Housing Finance Agency and HUD.

Arizona

California

Colorado

Florida

Georgia

Idaho

Indiana

Michigan

Missouri

Nevada

North Carolina

Ohio

Oregon

Pennsylvania

South Carolina

Tennessee

Texas

Utah

Virginia

Washington

FAQ

Loan limits: common questions

What is the 2026 conforming loan limit?

For 2026 the baseline conforming loan limit for a one-unit home is $832,750 in most of the country. Higher-cost counties get a larger ceiling set by FHFA — 31 of the 271 counties listed here exceed the baseline. Pick your county above to see its exact figure.

What happens if I borrow more than my county's conforming limit?

A loan above your county's conforming limit is a jumbo loan. Jumbo loans are still widely available — they are underwritten outside Fannie Mae and Freddie Mac guidelines, so requirements vary more by lender. Being over the limit is not a problem, it just changes which programs fit.

Are FHA loan limits the same as conforming limits?

No. FHA sets its own county-level limits through HUD, and they are generally lower than the conforming limit in the same county. Each county page here lists both figures side by side so you can compare them directly.

How often do loan limits change?

FHFA and HUD publish new limits once a year, normally announced late in the prior year and effective in January. The figures on these pages are the 2026 limits.

Not sure which limit applies to you?

Tell us the county and the price you are looking at, and we will tell you straight whether it is conforming, FHA, or jumbo territory.

Start your application or call (949) 522-7310