For 2026, the conforming loan limit for a single-family home is $766,550 in most areas — and up to $1,149,825 in designated high-cost counties. Loans above those caps are jumbo mortgages. Ryan and Steve confirm the exact limit for your county and purchase price before you shop.
Conforming limits decide whether a conventional loan can be sold to Fannie Mae or Freddie Mac — which usually means more competitive pricing than jumbo.
These figures are the national baseline and ceiling for one-unit homes. Your county may sit anywhere in that range — and multi-unit properties have higher caps.
Using last year’s limit or the wrong county is a common way to mis-size a pre-approval.
Going over the conforming ceiling does not end your search — it changes the financing mix.
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Related guides to help you compare options and move toward pre-approval.
How conforming loans, PMI, and guidelines work.
Options when the purchase price exceeds conforming caps.
3%, 5%, and 20% down scenarios for conventional loans.
Side-by-side cost comparison when both programs fit.
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Recent articles from our blog on conventional loans, conforming limits, and financing strategy.
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Tell Ryan & Steve where you are buying — we will verify the 2026 conforming limit and whether conventional or jumbo fits best.