U.S. Federal Housing (FHFA) Announces Conforming Loan Limit Values for 2026

Today, the U.S. Federal Housing (FHFA) issued the baseline ("general") and high-cost area conforming loan limit values that will apply to conventional loans to be acquired by Fannie Mae in 2026. The new limits are effective for whole loans delivered, and mortgage loans delivered into MBS with pool issue dates on or after January 1, 2026. All conforming loan limit values apply to the original loan amount of the mortgage loan, not to its balance at the time of purchase by Fannie Mae.

• The high-cost area loan limits are established for each county (or equivalent) and are published on Fannie Mae's website and on FHFA's website.
• Please see Fannie Mae's Lender Letter for more information.

For questions, please contact the Fannie Mae Investor Help Line at 1-800-232-6643, Option 3 or by e-mail.