Conforming Loan Limits To Jump $26,250 – NMP Skip to main content

Conforming Loan Limits To Jump $26,250

Nov 25, 2025
Predictions Just Short
Staff Writer

The FHFA has announced the conforming loan limit (CLL) values for mortgages Fannie Mae and Freddie Mac will acquire in 2026, as in most of the U.S., the 2026 CLL value for one-unit properties will be $832,750

All of those companies that jumped the gun on the conforming loan limit for 2026 missed the mark by more than $22,000.

United Wholesale Mortgage (UWM), Rate, Cross Country Mortgage, and several others raised their ceilings to $819,000 in anticipation of an increase in the limit on the loans that can be purchased by Fannie Mae and Freddie Mac.

As it turns out, they were a tad short.

As of January 1, the limit for one-unit properties will be $832,750, an increase of $26,250 from this year’s ceiling, $806,500, the Federal Housing Finance Agency announced. That’s a 3.26% increase.

By law, the official ceiling is based on the average price of a house nationally, from one October to the next. To adjust the limit, the FHFA uses the October-to-October percentage increase or decrease in the average house price, as indicated in the House Price Index report, issued by the Federal Housing Finance Board. The formula is designed to reflect changes in the average price of a home, which is almost always in flux.

Between this year’s third quarter and last year's, prices moved up 3.26%, on average. So the baseline, and all other ceilings, will rise, accordingly.

The new ceiling will be higher in all but 32 U.S. counties or their equivalents.

For properties in high cost areas, the new ceiling for one-family properties will be $1,249,125, which is 150% of $832,750. And for properties in Alaska, Hawaii, Guam, and the U.S. Virgin Islands, the baseline loan limit and the ceiling loan limit will be $1,249,125 and $1,873,675, respectively.

The FHFA did not say what the limits will be for two-, three-, and four-family properties.


About the author
Staff Writer
Lew Sichelman has been covering the housing and mortgage sectors for 52 years. His syndicated column appears in major newspapers throughout the country.
Published
Nov 25, 2025
New Appraisal Rules Could Vary By Lender Under GSE Exception

Fannie and Freddie are giving some lenders more time to adopt UAD 3.6, meaning mortgage brokers may need to navigate different appraisal requirements across wholesale partners

Credit-Score Competition Could Expand Beyond FICO, VantageScore

CHLA sees new Fannie and Freddie score disclosures as a first step toward more competition, while lenders are already finding different borrower outcomes under today's models

Mortgage AI Survey Finds Monitoring Gap At Smaller Lenders

Only 40% of smaller lenders surveyed reported ongoing AI monitoring, compared with 80% of larger lenders, as a new state examiner guide details the records regulators may request

Fannie Changes How Rent From A Former Home Counts

Fannie now prohibits leases for departing residences and permits market-analysis tools instead of Form 1007, creating a key documentation difference from Freddie Mac

ACES Targets Loans Traditional QC Samples May Miss

New population-testing technology applies lender-defined rules across selected origination and servicing records, then directs flagged files to human reviewers

Sep 21, 2026
The Risk Your Credit Score Can't See

Place-based market risk can produce dramatically different default outcomes among borrowers with nearly identical credit profiles

Sep 17, 2026