Each year the Federal Housing Finance Agency reviews and adjust the Conforming Limits for loan amounts affecting Fannie Mae and Freddie Mac loan purchases.
As announced today by the Federal Housing Finance Agency (FHFA), the standard and high-cost area loan limits for Fannie Mae and Freddie Mac are increasing. In most of the United States, the 2026 CLL value for one-unit properties will be $832,750, an increase of $26,250 from 2025.
High-Cost Areas
For areas in which 115 percent of the local median home value exceeds the baseline conforming loan limit value, the applicable loan limit will be higher than the baseline loan limit. HERA establishes the high-cost area limit in those areas as a multiple of the area median home value, while setting the ceiling at 150 percent of the baseline limit. Median home values generally increased in high-cost areas in 2025, which increased their CLL values. The new ceiling loan limit for one-unit properties will be $1,249,125, which is 150 percent of $832,750.
Special statutory provisions establish different loan limits for Alaska, Hawaii, Guam, and the U.S. Virgin Islands. In these areas, the baseline loan limit and the ceiling loan limit for one-unit properties will be $1,249,125 and $1,873,675, respectively.
Below is a Link to the online PDF for all states. Please Copy and Paste the Link Below:
https://www.fhfa.gov/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026
Or Copy the Link Below for an Excel Report Listing All US Counties
https://www.fhfa.gov/document/data/fullcountyloanlimitlist2026_hera-based_final_flat.xlsx
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