The Federal Housing Finance Agency announced updated conforming loan limits effective January 1, 2026. The standard one-unit limit increased to $832,750, up from the prior baseline. High-cost area ceilings reached $1,249,125 for one-unit properties. Alaska, Hawaii, Guam, and the U.S. Virgin Islands have a separate ceiling of $1,873,675 for one-unit properties.
Multi-Unit Limits
- ✦Two-unit: $1,066,750 standard; $1,600,100 high-cost ceiling
- ✦Three-unit: $1,289,250 standard; $1,934,100 high-cost ceiling
- ✦Four-unit: $1,602,450 standard; $2,403,825 high-cost ceiling
FHA Loan Limits for 2026
FHA loan limits are set at 65% of the conforming baseline for floor markets and 150% for high-cost ceiling markets. The 2026 FHA floor is $541,287 for a one-unit property. The FHA ceiling matches the conforming high-cost limit at $1,249,125 for one-unit properties in the highest-cost areas. Always verify specific county limits at HUD's loan limit lookup tool before quoting a borrower.
What This Means for Your Borrowers
Borrowers who were previously just over the conforming limit may now qualify for conventional financing with better pricing than a jumbo. In high-cost metros like Fairfield County CT, New York City, Boston, and Miami-Dade, the higher limits expand conventional access significantly. Check county-level limits before defaulting to jumbo for any loan above $800,000.
Aria knows all 2026 loan limits by property type and can walk through specific scenarios. Ask Aria any loan limit question at vicariointel.com.
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