Mortgage Merlin

Check eligibility

30-YR CONV6.47%▼0.05

FHA6.25%▼0.05

BANK-STMT7.31%▼0.05

DSCR7.66%▼0.05

JUMBO6.50%▼0.05

15-YR5.81%▼0.03

ITIN7.96%▼0.05

30-YR CONV6.47%▼0.05

FHA6.25%▼0.05

BANK-STMT7.31%▼0.05

DSCR7.66%▼0.05

JUMBO6.50%▼0.05

15-YR5.81%▼0.03

ITIN7.96%▼0.05

2026 loan limits by state

The 2026 national baseline conforming loan limit is $832,750 for a one-unit home, rising to $1,249,125 in high-cost areas. FHA runs from a $541,287 floor to a $1,249,125 ceiling. Pick your state for the local picture and the official county lookup.

Effective for 2026. Source: FHFA (conforming) and HUD (FHA).

Conforming $832,750–$1,249,125

Alaskahigh-cost

Conforming $1,249,125–$1,873,675

Arizonahigh-cost

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Californiahigh-cost

Conforming $832,750–$1,249,125

Coloradohigh-cost

Conforming $832,750–$1,249,125

Connecticuthigh-cost

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Floridahigh-cost

Conforming $832,750–$1,249,125

Georgiahigh-cost

Conforming $832,750–$1,249,125

Hawaiihigh-cost

Conforming $1,249,125–$1,873,675

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Marylandhigh-cost

Conforming $832,750–$1,249,125

Massachusettshigh-cost

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Nevadahigh-cost

Conforming $832,750–$1,249,125

New Hampshirehigh-cost

Conforming $832,750–$1,249,125

New Jerseyhigh-cost

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

New Yorkhigh-cost

Conforming $832,750–$1,249,125

North Carolinahigh-cost

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Oregonhigh-cost

Conforming $832,750–$1,249,125

Pennsylvaniahigh-cost

Conforming $832,750–$1,249,125

Rhode Islandhigh-cost

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Tennesseehigh-cost

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Virginiahigh-cost

Conforming $832,750–$1,249,125

Washingtonhigh-cost

Conforming $832,750–$1,249,125

West Virginiahigh-cost

Conforming $832,750–$1,249,125

Conforming $832,750–$1,249,125

Wyominghigh-cost

Conforming $832,750–$1,249,125

District of Columbiahigh-cost

Conforming $832,750–$1,249,125

How to read these. The baseline applies to standard-cost counties; high-cost counties fall between the baseline and the ceiling based on local median home values. For an exact county figure, use the official lookups: FHFA county loan-limit lookup · FHA county loan-limit lookup. Educational only — verify current figures before relying on them.

Related