Loan Limits
U.S. Federal Housing (FHFA) publishes annual conforming loan limit values that apply to all conventional loans delivered to Fannie Mae. These include baseline and high-cost area loan limits; high-cost areas vary by geographic location.
Loan Limit Values for 2026
The conforming loan limits for 2026 have increased and apply to loans delivered to Fannie Mae in 2026 (even if originated prior to 1/1/2026). Refer to Lender Letter LL-2025-04 for specific requirements.
Maximum Baseline Loan Amount for 2026
| Units | Contiguous States, District of Columbia, and Puerto Rico | Alaska, Guam, Hawaii, and the U.S. Virgin Islands |
|---|---|---|
| 1 | $832,750 | $1,249,125 |
| 2 | $1,066,250 | $1,599,375 |
| 3 | $1,288,800 | $1,933,200 |
| 4 | $1,601,750 | $2,402,625 |
Maximum Ceiling for Loan Limits in High-Cost Areas for 2026
* Alaska, Guam, Puerto Rico, and the U.S. Virgin Islands do not have any high-cost areas in 2026.
** The maximum ceiling loan limits for Hawaii reflect the data published in the Loan Limit Look-up Table 2026.
| Units | Contiguous States, District of Columbia, and Puerto Rico* | Hawaii** | Alaska, Guam, and the U.S. Virgin Islands |
|---|---|---|---|
| 1 | $1,249,125 | $1,299,500 | Not applicable |
| 2 | $1,599,375 | $1,633,600 | Not applicable |
| 3 | $1,933,200 | $2,010,950 | Not applicable |
| 4 | $2,402,625 | $2,499,100 | Not applicable |
2026 Loan Limits Overview
- Most counties across the country, including Alaska, Hawaii, Guam and the U.S. Virgin Islands, have increased loan limits for 2026 compared to 2025. 31 counties have no limit change.
- Six counties moved to the high-cost (and subject to high-balance policy) from the baseline loan limits.
- All nine Connecticut counties now participate in planning regions with new loan limits for 2026.
2026 High-cost Counties/Metropolitan Statistical Areas (MSA)
- There are high-cost areas within the following states: California, Colorado, Connecticut, District of Columbia, Florida, Hawaii, Idaho, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Tennessee, Utah, Virginia, Washington, West Virginia, Wyoming.
- The high-cost area limits published in Lender Letter-2025-04 are the statutory ceilings provided by FHFA, but should not be used to determine the loan amount. Lenders must find the applicable loan limit for counties/MSAs in the Loan Limit Look-Up Table or on FHFA's web page.
Area Median Income/Loan Limits Lookup Tool
Use the interactive map to quickly look up loan limit values and income eligibility by area, property address or Federal Information Processing Standards (FIPS) code.
