The Federal Housing Finance Agency has published the 2026 conforming loan limits for mortgages that Fannie Mae and Freddie Mac will acquire, increasing the national baseline limit for one-unit properties to USD 832,750, up USD 26,250 from 2025. The baseline adjustment follows the Housing and Economic Recovery Act requirement to update the limit annually in line with average U.S. home price changes. FHFA reported a 3.26 percent increase in house prices between the third quarters of 2024 and 2025 (nominal, seasonally adjusted, expanded-data FHFA House Price Index), and the baseline conforming loan limit rises by the same percentage. In high-cost areas where 115 percent of the local median home value exceeds the baseline limit, loan limits increase up to a ceiling of 150 percent of the baseline, setting the one-unit ceiling at USD 1,249,125. Separate statutory provisions set higher limits for Alaska, Hawaii, Guam, and the U.S. Virgin Islands, with one-unit baseline and ceiling limits of USD 1,249,125 and USD 1,873,675, respectively; FHFA indicated limits will be higher in all but 32 U.S. counties or county equivalents.

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