Every November, the Federal Housing Finance Agency announces the conforming loan limit for the year ahead, the largest loan Fannie Mae and Freddie Mac will purchase. For 2026, the baseline limit on a one-unit property is $832,750, with a ceiling of $1,249,125 in designated high-cost areas.
The ceiling is 150% of the baseline. FHFA announces the 2027 figures this November.
A higher limit expands access to conventional financing without any change to your own finances.
The same loan amount that required jumbo underwriting one year can be conforming the next. If you’re shopping near the current threshold, the November announcement is worth watching before committing to a loan structure.
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A loan officer can walk you through your options on either side of it, conforming and jumbo, before anything is offered. Pre-qualifying will not affect your credit score.
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