2026 limits for a one-unit home
| Loan | 2026 limit |
|---|---|
| Conforming, most of the US | $832,750 |
| Conforming, high-cost areas (ceiling) | $1,249,125 |
| FHA, lower-cost areas (floor) | $541,287 |
| FHA, high-cost areas (ceiling) | $1,249,125 |
Limits are higher for two- to four-unit homes, and special rules apply in Alaska, Hawaii, Guam and the US Virgin Islands. Your county’s exact limit is published by FHFA (conforming) and HUD (FHA).
Why it matters
- Above the conforming limit, you need a jumbo loan, which usually needs a larger down payment and stronger credit.
- FHA limits cap how much you can borrow with an FHA loan in your county.
Sources
The Federal Housing Finance Agency announces conforming limits each November, and HUD publishes FHA limits soon after.
