For 2026, the Federal Housing Finance Agency (FHFA) set the baseline conforming loan limit for a one-unit property at $832,750 in most of the United States. Designated high-cost counties allow higher limits. The figure that matters is the original loan amount, not the purchase price, and the limit depends on the property’s county and number of units.
Empire of America serves homebuyers in California, Florida, and Texas. Select a state to review its county-level limits:
A loan at or below the baseline is generally a standard conforming loan. A loan above the baseline but within a high-cost county’s limit is commonly called high-balance or super-conforming. A conventional loan above the applicable county limit is generally considered a jumbo loan, which follows the lender’s own requirements rather than Fannie Mae or Freddie Mac standards.
A loan below the county limit is not an approval: income, assets, credit, property, and program requirements still apply. These conforming limits should not be confused with FHA, VA, or USDA program rules.
Loan limits are only one part of the picture. Review current rates and compare conforming, high-balance, and jumbo options for your scenario.
Source: Federal Housing Finance Agency, county-level conforming loan limit values for 2026 (HERA-based), retrieved from fhfa.gov on August 21, 2026. Limits apply to mortgages acquired in calendar year 2026 and can be superseded by official agency guidance.
This page is for general educational purposes only and is not financial, legal, tax, or credit advice, a commitment to lend, or a guarantee of approval or terms. Loan availability and qualification depend on the borrower, property, program, and applicable underwriting requirements. Empire of America is an Equal Housing Opportunity lender.