The Federal Housing Finance Agency adjusts conforming loan limits every year. These limits determine the largest loan amounts Fannie Mae and Freddie Mac can generally acquire and help define when a conventional loan becomes a jumbo loan.
2026 one-unit limits
- Baseline limit: $832,750 in most of the United States.
- High-cost ceiling: $1,249,125 for one-unit properties in the highest-cost areas.
For 2026, Alameda, Contra Costa, Marin, San Francisco, San Mateo, and Santa Clara counties use the $1,249,125 one-unit high-cost ceiling.
Limits for properties with more units
For 2026, the national baseline and high-cost ceiling are:
| Units | Baseline | High-cost ceiling |
|---|---|---|
| 1 | $832,750 | $1,249,125 |
| 2 | $1,066,250 | $1,599,375 |
| 3 | $1,288,800 | $1,933,200 |
| 4 | $1,601,750 | $2,402,625 |
What the limit means for your loan
A loan above the applicable conforming limit may require jumbo financing, but the loan amount alone does not identify the best product. Property type, occupancy, credit, income, assets, reserves, and the available lender programs all matter.
Limits are adjusted annually. Contact me to confirm the limit and available options for your county, property type, and current buying situation.
Source: Federal Housing Finance Agency — 2026 conforming loan limits.