2025 Fannie Mae Loan Limits
The following are the 2025 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.
Take the 30 second mortgage quiz to see if you qualify
| State | County | Limit |
|---|---|---|
| Alabama | All areas | $806,500 |
| Alaska | Aleutians East | $1,209,750 |
| Alaska | Aleutians West | $1,209,750 |
| Alaska | Anchorage | $1,209,750 |
| Alaska | Bethel | $1,209,750 |
| Alaska | Bristol Bay | $1,209,750 |
| Alaska | Denali | $1,209,750 |
| Alaska | Dillingham | $1,209,750 |
| Alaska | Fairbanks North Star | $1,209,750 |
| Alaska | Haines | $1,209,750 |
| Alaska | Hoonah Angoon | $1,209,750 |
| Alaska | Juneau | $1,209,750 |
| Alaska | Kenai Peninsula | $1,209,750 |
| Alaska | Ketchikan Gateway | $1,209,750 |
| Alaska | Kodiak Island | $1,209,750 |
| Alaska | Kusilvak | $1,209,750 |
| Alaska | Lake And Peninsula | $1,209,750 |
| Alaska | Matanuska Susitna | $1,209,750 |
| Alaska | Nome | $1,209,750 |
| Alaska | North Slope | $1,209,750 |
| Alaska | Northwest Arctic | $1,209,750 |
| Alaska | Petersburg | $1,209,750 |
| Alaska | Prince Of Wales Hyder | $1,209,750 |
| Alaska | Sitka | $1,209,750 |
| Alaska | Skagway | $1,209,750 |
| Alaska | Southeast Fairbanks | $1,209,750 |
| Alaska | Wrangell | $1,209,750 |
| Alaska | Yakutat | $1,209,750 |
| Alaska | Yukon Koyukuk | $1,209,750 |
| Alaska | All other areas | $806,500 |
| Arizona | All areas | $806,500 |
| Arkansas | All areas | $806,500 |
| California | Alameda | $1,209,750 |
| California | Contra Costa | $1,209,750 |
| California | Los Angeles | $1,209,750 |
| California | Marin | $1,209,750 |
| California | Monterey | $970,600 |
| California | Napa | $1,017,750 |
| California | Orange | $1,209,750 |
| California | San Benito | $1,209,750 |
| California | San Diego | $1,077,550 |
| California | San Francisco | $1,209,750 |
| California | San Luis Obispo | $967,150 |
| California | San Mateo | $1,209,750 |
| California | Santa Barbara | $913,100 |
| California | Santa Clara | $1,209,750 |
| California | Santa Cruz | $1,178,750 |
| California | Sonoma | $897,000 |
| California | Ventura | $1,017,750 |
| California | All other areas | $806,500 |
| Colorado | Adams | $833,750 |
| Colorado | Arapahoe | $833,750 |
| Colorado | Boulder | $862,500 |
| Colorado | Broomfield | $833,750 |
| Colorado | Clear Creek | $833,750 |
| Colorado | Denver | $833,750 |
| Colorado | Douglas | $833,750 |
| Colorado | Eagle | $1,209,750 |
| Colorado | Elbert | $833,750 |
| Colorado | Garfield | $1,209,750 |
| Colorado | Gilpin | $833,750 |
| Colorado | Grand | $874,000 |
| Colorado | Jefferson | $833,750 |
| Colorado | Park | $833,750 |
| Colorado | Pitkin | $1,209,750 |
| Colorado | Routt | $1,012,000 |
| Colorado | San Miguel | $994,750 |
| Colorado | Summit | $1,067,200 |
| Colorado | All other areas | $806,500 |
| Connecticut | Fairfield | $851,000 |
| Connecticut | All other areas | $806,500 |
| Delaware | All areas | $806,500 |
| Florida | Monroe | $967,150 |
| Florida | All other areas | $806,500 |
| Georgia | All areas | $806,500 |
| Hawaii | Hawaii | $1,209,750 |
| Hawaii | Honolulu | $1,209,750 |
| Hawaii | Kalawao | $1,209,750 |
| Hawaii | Kauai | $1,209,750 |
| Hawaii | Maui | $1,209,750 |
| Idaho | Teton | $1,209,750 |
| Idaho | All other areas | $806,500 |
| Illinois | All areas | $806,500 |
| Indiana | All areas | $806,500 |
| Iowa | All areas | $806,500 |
| Kansas | All areas | $806,500 |
| Kentucky | All areas | $806,500 |
| Louisiana | All areas | $806,500 |
| Maine | All areas | $806,500 |
| Maryland | Calvert | $1,209,750 |
| Maryland | Charles | $1,209,750 |
| Maryland | Frederick | $1,209,750 |
| Maryland | Montgomery | $1,209,750 |
| Maryland | Prince Georges | $1,209,750 |
| Maryland | All other areas | $806,500 |
| Massachusetts | Dukes | $1,209,750 |
| Massachusetts | Essex | $914,250 |
| Massachusetts | Middlesex | $914,250 |
| Massachusetts | Nantucket | $1,209,750 |
| Massachusetts | Norfolk | $914,250 |
| Massachusetts | Plymouth | $914,250 |
| Massachusetts | Suffolk | $914,250 |
| Massachusetts | All other areas | $806,500 |
| Michigan | All areas | $806,500 |
| Minnesota | All areas | $806,500 |
| Mississippi | All areas | $806,500 |
| Missouri | All areas | $806,500 |
| Montana | All areas | $806,500 |
| Nebraska | All areas | $806,500 |
| Nevada | All areas | $806,500 |
| New Hampshire | Rockingham | $914,250 |
| New Hampshire | Strafford | $914,250 |
| New Hampshire | All other areas | $806,500 |
| New Jersey | Bergen | $1,209,750 |
| New Jersey | Essex | $1,209,750 |
| New Jersey | Hudson | $1,209,750 |
| New Jersey | Hunterdon | $1,209,750 |
| New Jersey | Middlesex | $1,209,750 |
| New Jersey | Monmouth | $1,209,750 |
| New Jersey | Morris | $1,209,750 |
| New Jersey | Ocean | $1,209,750 |
| New Jersey | Passaic | $1,209,750 |
| New Jersey | Somerset | $1,209,750 |
| New Jersey | Sussex | $1,209,750 |
| New Jersey | Union | $1,209,750 |
| New Jersey | All other areas | $806,500 |
| New Mexico | All areas | $806,500 |
| New York | Bronx | $1,209,750 |
| New York | Kings | $1,209,750 |
| New York | Nassau | $1,209,750 |
| New York | New York | $1,209,750 |
| New York | Putnam | $1,209,750 |
| New York | Queens | $1,209,750 |
| New York | Richmond | $1,209,750 |
| New York | Rockland | $1,209,750 |
| New York | Suffolk | $1,209,750 |
| New York | Westchester | $1,209,750 |
| New York | All other areas | $806,500 |
| North Carolina | All areas | $806,500 |
| North Dakota | All areas | $806,500 |
| Ohio | All areas | $806,500 |
| Oklahoma | All areas | $806,500 |
| Oregon | All areas | $806,500 |
| Pennsylvania | Pike | $1,209,750 |
| Pennsylvania | All other areas | $806,500 |
| Rhode Island | All areas | $806,500 |
| South Carolina | All areas | $806,500 |
| South Dakota | All areas | $806,500 |
| Tennessee | Cannon | $989,000 |
| Tennessee | Cheatham | $989,000 |
| Tennessee | Davidson | $989,000 |
| Tennessee | Dickson | $989,000 |
| Tennessee | Macon | $989,000 |
| Tennessee | Maury | $989,000 |
| Tennessee | Robertson | $989,000 |
| Tennessee | Rutherford | $989,000 |
| Tennessee | Smith | $989,000 |
| Tennessee | Sumner | $989,000 |
| Tennessee | Trousdale | $989,000 |
| Tennessee | Williamson | $989,000 |
| Tennessee | Wilson | $989,000 |
| Tennessee | All other areas | $806,500 |
| Texas | All areas | $806,500 |
| Utah | Summit | $1,149,825 |
| Utah | Wasatch | $1,149,825 |
| Utah | Wayne | $997,050 |
| Utah | All other areas | $806,500 |
| Vermont | All areas | $806,500 |
| Virginia | Alexandria City | $1,209,750 |
| Virginia | Arlington | $1,209,750 |
| Virginia | Clarke | $1,209,750 |
| Virginia | Culpeper | $1,209,750 |
| Virginia | Fairfax | $1,209,750 |
| Virginia | Fairfax City | $1,209,750 |
| Virginia | Falls Church City | $1,209,750 |
| Virginia | Fauquier | $1,209,750 |
| Virginia | Fredericksburg City | $1,209,750 |
| Virginia | Loudoun | $1,209,750 |
| Virginia | Madison | $1,209,750 |
| Virginia | Manassas City | $1,209,750 |
| Virginia | Manassas Park City | $1,209,750 |
| Virginia | Prince William | $1,209,750 |
| Virginia | Rappahannock | $1,209,750 |
| Virginia | Spotsylvania | $1,209,750 |
| Virginia | Stafford | $1,209,750 |
| Virginia | Warren | $1,209,750 |
| Virginia | All other areas | $806,500 |
| Washington | King | $1,037,300 |
| Washington | Pierce | $1,037,300 |
| Washington | Snohomish | $1,037,300 |
| Washington | All other areas | $806,500 |
| West Virginia | Jefferson | $1,209,750 |
| West Virginia | All other areas | $806,500 |
| Wisconsin | All areas | $806,500 |
| Wyoming | Teton | $1,209,750 |
| Wyoming | All other areas | $806,500 |
| District Of Columbia | District Of Columbia | $1,209,750 |
| District Of Columbia | Guam | $1,209,750 |
| District Of Columbia | All other areas | $806,500 |
| District Of Columbia | Saint Croix | $1,209,750 |
| District Of Columbia | Saint John | $1,209,750 |
| District Of Columbia | Saint Thomas | $1,209,750 |
| District Of Columbia | All other areas | $806,500 |
Take the 30 second mortgage quiz to see if you qualify