Stewardship Capital
What you can borrow on a conforming or FHA loan depends on the county you are buying in. Here are the 2026 figures, and the county-by-county detail for the states we work in most.
Baseline conforming
$832,750
One unit, most counties
High-cost ceiling
$1,249,125
One unit, highest-priced counties
FHA floor
$541,287
One unit, most counties
For 2026 the baseline conforming loan limit is $832,750 for a one-unit home, and 160 counties nationwide are designated high-cost with a limit above that, up to $1,249,125. The FHA floor is $541,287 and the FHA ceiling matches the conforming ceiling at $1,249,125. Alaska, Hawaii, Guam and the U.S. Virgin Islands carry statutorily higher limits again.
Pick a state for every county's conforming and FHA limit.
Not sure which limit applies to your purchase? Stewardship Capital works with buyers and homeowners. Talk it through with Stephen.
The baseline conforming loan limit for 2026 is $832,750 for a one-unit home. In counties designated high-cost the limit is higher, up to a ceiling of $1,249,125. Alaska, Hawaii, Guam and the U.S. Virgin Islands carry statutorily higher limits than the mainland ceiling.
The FHA floor for 2026 is $541,287 for a one-unit home and the ceiling is $1,249,125. Most counties in the country use the floor; higher-priced counties fall somewhere between the floor and the ceiling.
Conforming limits are set by the Federal Housing Finance Agency, which regulates Fannie Mae and Freddie Mac. FHA limits are set by the U.S. Department of Housing and Urban Development. Both are updated once a year and both are set county by county.
Both agencies set a county's limit from local home prices. Where the median price is high enough, the county is designated high-cost and its limit rises above the national baseline, up to the ceiling.
No. A high balance loan is still a conforming loan, just in a county whose limit sits above the $832,750 baseline, so it follows Fannie Mae and Freddie Mac guidelines. A jumbo loan is above the county limit entirely and follows each individual investor's own guidelines.
About these numbers. Conforming limits are published each year by the Federal Housing Finance Agency and apply to loans bought by Fannie Mae and Freddie Mac. FHA limits are published by the U.S. Department of Housing and Urban Development. Both are effective for 2026. Limits are set by county and by the number of units, and they are not a quote, a commitment to lend or an offer of credit. Stephen Chakerian, NMLS #2193331 | Stewardship Capital, a team of Barrett Financial Group, L.L.C., NMLS #181106 | Equal Housing Opportunity.
