top of page

VIBRANT LIVING

Search

New Mortgage Loan Limits Benefit Homebuyers

ICE Mortgage Technology
Dec 2, 2025
1 min read

Updated: Dec 8, 2025

Expand your home search today.

New Mortgage Loan Limits Benefit Homebuyers

The need to know: The maximum conforming loan limit in most parts of the U.S. is now $832,750. In certain high-cost markets,* the ceiling loan limit is $1,249,125. Check out this map to see loan limits in each U.S. county.

The good to know: The conforming loan limit is the max amount you can borrow on a mortgage backed by Fannie Mae or Freddie Mac. The Federal Housing Finance Agency (FHFA) sets these limits, and they've raised them again for 2026 in response to higher housing costs.

The takeaway: These higher loan limits give you greater purchasing power while still letting you take advantage of the benefits offered by conventional loans. This is great news if buying a home is one of your goals for 2026.

2026 Loan Limits

Old Baseline Limit: $806,500. New Baseline Limit: $832,750.

Old Ceiling Limit: $1,209,750. New Ceiling Limit: $1,249,125

*High-cost areas are those in which 115% of the local median home value exceeds the baseline conforming loan limit.

We are not affiliated with any government agency.

bottom of page