All the new loan limits for 2026 are listed below by loan type. Borrowers that have questions can reach out to us by calling the number above, or just submitting the short info request form on this page.
2026 FHA Mortgage Limits:
FHA’s mortgage limits are set at 65% of the national “conforming” loan cap, which recently increased to $541,287 this year.
The FHA high-cost limits 150% of the conventional loan limit, which is now $1,249,125 in some locations. High-cost locations like South Fla, CA, CO, VA, NY, etc are those where 115% of the median home price is greater than the floor ($541,287) but less than the ceiling ($1,249,125). In these areas, the limit equals 115% of the median home price. *Find muti-unit property loan limits in the chart below.
| Property Type | Low-cost areas | High-cost areas |
| 1 unit | $541,287 | $1,249,125 |
| 2 units | $671,200 | $1,599,375 |
| 3 units | $811,275 | $1,933,200 |
| 4 units | $1,008,300 | $2,402,625 |
Reminders for those using the FHA mortgage:
- The FHA loan limits for 2026 apply to both FHA purchases and streamline /cash-out refinance transactions.
- All the base FHA mortgage limits apply to standard 1-unit properties, 2-4 unit properties will be higher.
All the latest FHA loan limits by county can be viewed on the FHA page here.
2026 Conforming Mortgage Limits:
The latest Conforming/Conventional mortgage limits have been raised to $832,750 for most counties across the nation. Like FHA, high-cost counites in states like California, Colorado, Utah, DC and the North East will see greater limits up to $1,249,125. Loans above this amount will be considered a jumbo loan.
Buyers can view the latest conforming loan limit chart
2026 VA Mortgage Limits:
VA loan limits are currently set to $2mil for 100% financing. Loan amounts above this up to $4mil are also permitted with a slight down payment. VA loan amounts that exceed the standard conventional caps are classified as VA Jumbo loans
2026 USDA Mortgage Limits:
USDA Rural Housing loans do not have set loan limits. Instead, borrowers qualify based on their debt to income ratios. The general guideline is borrowers’ housing expenses (mortgage payment, taxes, and home insurance) should not exceed 34% of their gross income. Since USDA loans DO have household income limits, this will generally limit the size of the permitted loan amount to below conforming limits. Read more about the USDA loan limits.
Please connect with us today by calling, or just submit the Info Request Form on this page to learn more about any of the programs listed.