The FHFA sets conforming loan limits annually. In 2026, the baseline is $832,750 — an increase from $806,500 in 2025. Anything above the applicable county limit is a jumbo loan.
The FHFA announced the 2026 conforming limits on November 25, 2025. The baseline for one-unit properties in most U.S. counties is $832,750 — a $26,250 increase from 2025, reflecting a 3.26% rise in national home prices.
In designated high-cost counties, limits can be as high as $1,249,125 — 150% of the baseline. Florida, California, and select northeastern metros often have elevated limits. Always verify the specific county limit at fhfa.gov.
Once your loan amount exceeds the county-specific conforming limit, you need jumbo financing. Each jumbo lender sets their own standards independently — creating more variability but also more flexibility.
A licensed MLO will review your situation and identify the right programs. NMLS# 1967971 · FL, TN, SC, CO, TX.
All content on this page is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice. Loan programs, qualification requirements, and availability are subject to change without notice and vary by lender, borrower profile, property type, and market conditions. All loans are subject to credit approval. Not a commitment to lend. Speak with a licensed Mortgage Loan Originator for guidance specific to your situation. New Century Mortgage LLC · NMLS# 1967971 · Equal Housing Lender · NMLSConsumerAccess.org