Conforming Loan Limit
The conforming loan limit is the maximum principal balance for a mortgage that the permits and to acquire (subject to program rules). For 2026, FHFA announced a baseline one-unit conforming loan limit for most of the U.S., with a higher ceiling in high-cost areas determined under its statutory framework.
- Where it applies
- Federal
- When it comes up
- Product eligibility; underwriting; secondary market execution
- Property types
- Residential (1-4 unit)
In practice
For loan-sale eligibility and automated underwriting logic, systems often need both county-level limits and units-based limits (1-4).
Read more in the Knowledge Base
- Mortgage Product Architecture in New YorkBuyers
- Mortgage Product Architecture for NYC Buyers - Jumbo, ARM, Rate Lock, Float-Down, and RecastBuyers
Related terms
conforming loanjumbo loan (non-conforming)high-cost area limit
Residential Financing
- Accrual Rate
- Adjustable Rate Mortgage (ARM)
- Amortization
- Application (TRID application)
- Pay Rate
- PMI Automatic Termination
- PMI Cancellation (Borrower-Requested)
- Private Mortgage Insurance (PMI)
- Secured Overnight Financing Rate (SOFR)
- TILA-RESPA Integrated Disclosures (TRID)
General information, not legal, tax or financial advice.