Correction reviewed October 23, 2026: This article previously used 2027 in its headline while describing 2026 figures. The information below refers to the official 2026 FHFA limits, not an announcement of 2027 limits.
The official 2026 baseline
FHFA announced the 2026 conforming loan limits on November 25, 2025. For a one unit property in most of the country, the baseline is $832,750. The national high cost ceiling for a one unit property is $1,249,125. A ceiling is not the limit for every county.
FHFA reported a 3.26% annual increase in the price index used for the adjustment. This does not mean that every borrower can borrow more, that rates are lower, or that every loan application is easier to qualify.
Check the property, not just the national number
The applicable limit depends on the county and number of units. Use FHFA's official county lookup and loan limit tables for the property being financed. Special statutory limits apply in certain locations.
A conforming limit is not a loan approval
Even if the requested amount is within the applicable limit, the lender must still evaluate the borrower, property and loan requirements. An amount above the relevant conforming limit may call for a different financing option, with its own terms and review.
FHA and VA have separate program rules. Do not use this article's conforming figures as a universal FHA or VA borrowing limit. Discuss the applicable program and property with your lending team.
Contact Strategic Home Loans to review which limit and loan category apply to your plans. Compare actual loan terms rather than relying on a headline or a forecast of next year's limits.
Primary sources: FHFA November 25, 2025 announcement and official conforming loan limit tables.
Educational information reviewed October 23, 2026. Not a commitment to lend. Program availability, documentation and approval depend on the applicable lender and underwriting requirements. Strategic Home Loans, NMLS 340445.