What are the 2026 conventional (conforming) loan limits for single-unit properties?

In most U.S. counties, the 2026 conforming loan limit for one-unit properties is $832,750. In certain high-cost areas, the one-unit limit can be as high as $1,249,125.

Do conforming loan limits apply to all loan types?

Conforming loan limits apply to conventional loans that may be eligible for purchase by Fannie Mae or Freddie Mac. Other loan types may have different limits and guidelines.

How do I know which limit applies in my county?

Conforming loan limits can vary by county. Your Castle & Cooke Mortgage loan officer can confirm the applicable limit for your property location and review options based on your scenario.

New Conforming Loan Limits | Castle & Cooke Mortgage

Great news! Conventional Loan Limits for single-unit properties have increased to $832,750 for single-unit properties, and $1,249,125 for certain high-cost areas for 2026!

This increases will help even more borrowers enjoy the following benefits:

Less stringent qualification requirements compared to other loan programs
Optimal loan pricing for those who qualify
Lower minimum down-payment options compared to the 3.5%-20% minimum down-payment with other loan programs

The current housing market is changing right before our eyes, with inventory, interest rates, and housing prices seeing increases and decreases all year. Borrowers can use this to their advantage and even request seller concessions, which can ultimately help them save even more down the line. If you or someone you know is looking to purchase a home, contact a Castle & Cooke Mortgage loan officer today!

New conforming loan limit only applies to conventional loans.
Source: https://www.fhfa.gov/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026

New Conventional Loan Limits

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