Alaska, Hawaii, Guam, & U.S. Virgin Islands

*Alaska, Hawaii, Guam, & U.S. Virgin Islands are special exceptions where 150% of the standard loan limit applies. The resulting limits are:

2026 Conforming and FHA loan limits updated January 1, 2026.
Source: hud.gov

What is the 2026 conforming loan limit?

The base conforming loan limit for 2026 is $832,750. The limit applies to one-unit properties like single family homes, condos, and townhouses. The maximum conforming loan amount in the highest high-cost areas is $1,249,125.

Fannie Mae and Freddie Mac buy conforming/conventional loans from mortgage lenders. Loan limits are county dependent and are higher in areas where average home prices exceed the base limit.

Our lookup tool updates annually with the most current Fannie Mae and Freddie Mac loan limits.

What is the 2026 FHA loan limit?

FHA loan limits increased to $541,287 in most counties for one-unit homes. High-cost area limits are as high as $1,249,125.

Mortgage loans insured by FHA must fall within the established limits. Like conforming loans, FHA loan limits are county dependent and increase in areas with higher than average home prices.

What is the 2026 VA loan limit?

There is no VA loan limit in 2026 for veteran homebuyers and eligible service members who have full VA entitlement.

Since January 1, 2020, the VA has removed loan limits for borrowers with full entitlement. This means qualified VA borrowers can purchase a home at any price point with no down payment, as long as they meet the lenders income, credit, and debt-to-income requirements.

Veterans with full entitlement are not restricted to county loan limits. Instead, the maximum loan amount is determined solely by what they qualify for financially.

On the other hand, loan limits do apply is entitlement has not been fully restored. In those cases, the maximum VA loan amount is calculated based on the one-unit conforming loan limit, and a down-payment may be required.

Quick Takeaway:

Full Entitlement = no loan limit

Partial Entitlement = loan limits apply.

About County Loan Limits

Each of the following loan programs have limits on the amount you can borrow when purchasing a new home. Some states and counties have higher limits. Use the lookup tool on this page to search loan limits in your area.

• FHA loans generally have the lowest limits. It most counties the 2026 limit on a single family (one-unit) home is $541,287.
• Conforming loans meet Fannie Mae and Freddie Mac loan standards. The limits are typically higher than FHA loans - $832,750 in most counties.
• VA loans have no loan limit for borrowers with full entitlement. If you have VA entitlement in use, you may still qualify for a second VA loan, but a down payment may be required. In these cases, Tier-2 entitlement is based on the one-unit conforming loan limit.

Once you've determined the limit for your area, use our calculators to explore different loan amounts and monthly payments.