2026 Conforming Loan Limits by State and County
The 2026 national baseline conforming loan limit for a one-unit home is $832,750, and the high-cost ceiling is $1,249,125, according to the FHFA. Each county's limit falls somewhere from the baseline to the ceiling; Hawaii and a few others have special rules.
Limits by state
| State | Counties | Above baseline | One-unit limit range |
|---|---|---|---|
| Arizona | 15 | 0 | $832,750 |
| California | 58 | 17 | $832,750 to $1,249,125 |
| Colorado | 64 | 20 | $832,750 to $1,249,125 |
| Hawaii | 5 | 5 | $1,249,125 to $1,299,500 |
| Nevada | 17 | 0 | $832,750 |
| Oregon | 36 | 0 | $832,750 |
| Texas | 254 | 0 | $832,750 |
| Washington | 39 | 3 | $832,750 to $1,063,750 |
National baseline and ceiling
| Units | Baseline | High-cost ceiling |
|---|---|---|
| 1 unit | $832,750 | $1,249,125 |
| 2 units | $1,066,250 | $1,599,375 |
| 3 units | $1,288,800 | $1,933,200 |
| 4 units | $1,601,750 | $2,402,625 |
Conforming, high-balance and jumbo
A conforming loan is one that meets Fannie Mae and Freddie Mac's size limit and guidelines, so they can buy it from the lender.
A standard conforming loan is at or below the baseline ($832,750 for one unit in most of the country). In a high-cost county, a loan above the baseline but at or below that county's limit is a high-balance conforming loan. Anything above the county limit is a jumbo loan.
Jumbo loans follow each lender's own guidelines and usually need a larger down payment, more cash in reserve and stricter qualifying.
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.