2026 Fannie Mae Loan Limits
The following are the 2026 loan limits for conventional mortgage loans.
If you wish to borrow above the loan amounts listed below on conventional financing, you will need to do a jumbo loan.
Note, the Fannie Mae limits are also important when calculating VA bonus entitlement to determine if a down payment is required when having multiple VA home loans at the same time.
Loan Limit Lookup
2026 Baseline Conforming Limits
These limits apply to most U.S. counties. High-cost areas have elevated limits up to $1,249,125.
| Property Type | Standard Limit | High-Cost Ceiling |
|---|---|---|
| 1 Unit (Single Family) | $832,750 | $1,249,125 |
| 2 Units (Duplex) | $1,066,250 | $1,599,375 |
| 3 Units (Triplex) | $1,288,800 | $1,933,200 |
| 4 Units (Fourplex) | $1,601,750 | $2,402,625 |
State & County Limits
| State | County | Limit |
|---|
Disclaimer: These 2026 conforming loan limits are based on data published by the Federal Housing Finance Agency (FHFA) effective January 1, 2026. The baseline limit increased 3.26% from $806,500 to $832,750. Limits apply to the original loan amount for conventional mortgages eligible for purchase by Fannie Mae and Freddie Mac. For the most current and official data, visit fhfa.gov or singlefamily.fanniemae.com. This tool is for informational purposes only and does not constitute financial advice.
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