New Fannie and Freddie Conforming Loan Limits Increased to $832,750 for 2026!

The Federal Housing Finance Agency (FHFA) has raised the conforming loan limit values for the one-unit mortgages Fannie Mae and Freddie Mac will acquire in 2026 to $832,750, an increase of $26,250 from 2025.

An FHA conforming loan is a government-backed mortgage that lets you buy a house with little money down and easier credit requirements, as long as the loan amount stays under the annual conforming limit. You’ll pay mortgage insurance because the government is taking on extra risk to help you get the loan.

The increase is linked to the 3.26% house price increase recorded between the third quarters of 2024 and 2025. Due to rising home values, the conforming loan limit values will be higher in all but 32 counties or county equivalents.

For areas in which 115% of the local median home value exceeds the baseline conforming loan limit value, the new ceiling loan limit for one-unit properties will be $1.24 million.

Special statutory provisions establish different loan limits for Alaska, Hawaii, Guam, and the US Virgin Islands. In these areas, the baseline loan limit and the ceiling loan limit for one-unit properties will be $1.24 million and $1.87 million.

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