The Federal Housing Finance Agency (FHFA) has raised the conforming loan limit values for the one-unit mortgages Fannie Mae and Freddie Mac will acquire in 2026 to $832,750, an increase of $26,250 from 2025.
The increase is linked to the 3.26% house price increase recorded between the third quarters of 2024 and 2025. Due to rising home values, the conforming loan limit values will be higher in all but 32 counties or county equivalents.
For areas in which 115% of the local median home value exceeds the baseline conforming loan limit value, the new ceiling loan limit for one-unit properties will be $1.24 million.
Special statutory provisions establish different loan limits for Alaska, Hawaii, Guam, and the US Virgin Islands. In these areas, the baseline loan limit and the ceiling loan limit for one-unit properties will be $1.24 million and $1.87 million, respectively.
Stooooooop. LET THE PRICES DROP. Jesus