2026 conforming loan limits have been announced! New loan size limits are set each year on conventional mortgages that Freddie Mac or Fannie Mae will buy from mortgage lenders. You can see previous years loan limits in the chart below. For 2026, the conforming loan limit for a single-family home has increased from $806,500 for 2025 to $832,750. That is about a 3.2% increase. Conforming loan limits go even higher for 2-4 unit homes.
In most areas, the maximum conforming loan limits for 2026 are as follows:
Single-family property $832,750
2 unit (Duplex) $1,066,250
3 unit (Triplex) $1,288,800
4 unit (Four Plex) $1,601,750
What about 5 unit buildings, or larger? Anything larger than 4 units is considered a commercial property which doesn’t qualify for a residential conforming loan.
- Fannie Mae made the 2026 announcement and updates loan amounts here.
High cost areas
But if you live in a high cost area, the conforming loan limit may be even higher. Lenders call these loans conforming ‘high balance’ loans, and they can come with a slightly higher interest rate. The loan limits for these loans are:
Single-family property $832,751 to $1,249,125
Duplex $1,066,251 to $1,599,375
Triplex $1,288,801 to $1,933,200
Four Plex $1,601,751 to $2,402,625
Any mortgage amount higher than what is outlined above is considered a jumbo loan. Jumbo loans are subject to different requirements. They require higher credit scores, larger down payments, cash reserves requirements, and may have a higher interest-rate.
Click here for a link to a map that shows you loan limits for the entire country in various counties and states.
History of Conforming loan amounts
Check out how conforming loan limits for single family homes have changed throughout the years, dating all the way back to my first year in the business, 1986! Conforming loan limits are 6.25 times what they were in 1986! Notice from 2006 to 2016 the loan limits didn’t increase at all. That was during a massive economic recession and real estate correction.
| Year | Loan Limit |
| 2026 2025 2024 2023 |
$832,750 $806,500 $766,550 $726,200 |
| 2022 | $647,800 |
| 2021 | $548,250 |
| 2020 | $510,400 |
| 2019 | $484,350 |
| 2018 | $453,100 |
| 2017 | $424,100 |
| 2016 | $417,000 |
| 2015 | $417,000 |
| 2014 | $417,000 |
| 2013 | $417,000 |
| 2012 | $417,000 |
| 2011 | $417,000 |
| 2010 | $417,000 |
| 2009 | $417,000 |
| 2008 | $417,000 |
| 2007 | $417,000 |
| 2006 | $417,000 |
| 2005 | $359,650 |
| 2004 | $333,700 |
| 2003 | $322,700 |
| 2002 | $300,700 |
| 2001 | $275,000 |
| 2000 | $252,700 |
| 1999 | $240,000 |
| 1998 | $227,150 |
| 1997 | $214,600 |
| 1996 | $207,000 |
| 1995 | $203,150 |
| 1994 | $203,150 |
| 1993 | $203,150 |
| 1992 | $202,300 |
| 1991 | $191,250 |
| 1990 | $187,450 |
| 1989 | $187,600 |
| 1988 | $168,700 |
| 1987 | $153,100 |
| 1986 | $133,250 |
Mortgage guidelines can change at any time. Always talk to an experienced mortgage loan officer who will help you understand the current guidelines and how they might apply to you.
Brian Martucci is a loan officer for Capital Bank Home Loans, a division of Capital Bank, N.A. He has been in the mortgage industry since 1986 and has served in a number of roles, including loan processor, loan officer, mortgage broker, branch manager, and vice president. Brian Martucci – NMLS# 185421. His opinions do not necessarily reflect the opinions and beliefs of Capital Bank Home Loans or Capital Bank. Capital Bank, N.A.- NMLS# 401599. Click here for the Capital Bank, N.A. “Privacy Policy”.
