Find your county's 2026 Conventional & FHA loan limits
Select a state and county to see the maximum conventional (conforming) and FHA loan amounts for 1-4 unit properties for 2026.
| Property | Conforming | FHA |
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Conforming limits sourced from FHFA's 2026 county dataset. FHA limits are sourced directly from HUD's CY2026 Forward Mortgage Limits dataset, with cross-reference available via the HUD lookup tool. The 2026 FHA floor is $541,287 and the ceiling is $1,249,125 (1-unit); Limits apply to FHA case numbers assigned and conventional loans delivered on or after January 1, 2026. Final loan approval depends on credit, income, debt, down payment, and program guidelines.
Understanding 2026 Loan Limits
What are 2026 loan limits?
Loan limits are the maximum mortgage amounts that government-backed and government-sponsored loan programs will fund. The Federal Housing Finance Agency (FHFA) sets the limits for conforming loans which are the conventional mortgages that Fannie Mae and Freddie Mac purchase from lenders and the U.S. Department of Housing and Urban Development (HUD) sets the limits for FHA loans. Both update their limits annually based on changes in U.S. home prices.
For 2026, the baseline conforming loan limit for a one-unit property is $832,750, up from $806,500 in 2025. The FHA floor, the minimum FHA loan limit, which applies to most U.S. counties is $541,287. In high cost areas, both conforming and FHA limits rise to a ceiling of $1,249,125 for one unit properties. Limits are higher for two, three, and four unit properties and special exception areas in Alaska, Hawaii, Guam and the U.S. Virgin Islands can carry higher limits.
Conventional vs. FHA: which limit applies to you?
The right limit depends on the loan program you're using. If you're applying for a conventional loan that is delivered to Fannie Mae or Freddie Mac, the FHFA conforming limit applies. If you're applying for an FHA loan with a lower down payment and more flexible credit guidelines, the HUD FHA limit applies. Alpine Mortgage can guide you through both options to find the structure that fits your scenario.