Jumbo Guide
What Are the Current Conforming Loan Limits?
The 2026 baseline is $766,550 in most counties — finance above that and you are in jumbo territory. Here is what Indiana buyers need to know.
2026 Conforming Loan Limits
Each year the FHFA sets maximum loan amounts that Fannie Mae and Freddie Mac can purchase. Loans at or below these caps are conforming — eligible for agency pricing and guidelines. Anything above is non-conforming, commonly called jumbo.
For 2026, the baseline one-unit limit is $766,550. High-cost counties — primarily coastal and select metro markets — can reach $1,149,825. Multi-unit properties have higher caps at every tier.
2026 Limits at a Glance
Above This → Jumbo
The takeaway is simple: know your county limit, know your loan amount, and plan accordingly.
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Indiana Buyer Context
Most Indiana counties use the baseline limit — which means jumbo kicks in above $766,550 on a single-family home.
In markets like Hamilton County, Boone County, and lake communities around Kosciusko and Steuben counties, purchase prices above $850K–$950K are common. With 10–15% down, many of those deals land in jumbo territory even though Indiana is not a high-cost designation.
Ryan and Steve confirm the exact county limit on every file and compare conforming vs. jumbo pricing side by side — so you know your true cost before making an offer.
Read our full Conventional Loan Limits guide →Keep Exploring
Related jumbo guides from Ryan & Steve.
What Is a Jumbo Loan?
How jumbo financing works above conforming caps.
When Is a Mortgage Considered Jumbo?
Loan amount vs. county limit — with worked examples.
Conventional Loan Limits Guide
Full conforming limits breakdown for conventional buyers.
Jumbo Loans Overview
Program hub with qualifications and calculator.
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Frequently Asked Questions
What are the 2026 conforming loan limits?
For 2026, the baseline conforming limit for a one-unit home is $766,550 in most U.S. counties. High-cost areas can go up to $1,149,825. Limits for 2–4 unit properties are higher.
What loan amount is considered jumbo in 2026?
Any loan amount above the conforming limit for the property county is jumbo. In most Indiana counties, financing more than $766,550 on a single-family home triggers jumbo underwriting.
Do conforming limits change every year?
Yes. The FHFA updates conforming loan limits annually based on national home-price data. Always confirm the current year limit before locking in your financing plan.
Are Indiana counties high-cost areas?
Most Indiana counties use the baseline $766,550 limit. A small number of markets nationwide qualify for elevated high-cost ceilings — Indiana buyers should verify their specific county.
Need Help Sizing Your Loan Amount?
We confirm your county limit and map conforming vs. jumbo options before you shop.
The 2 Mortgage Guys
Ryan Minick and Steve DeLon — Branch Managers & Senior Loan Officers at Luminate Bank. Based in Kokomo, Indiana. Lending nationwide since 2005.
Contact
Ryan Minick NMLS# 203249
Steve DeLon NMLS# 202876
Luminate Bank NMLS# 1281698
Kokomo's Mortgage Team. Lending Nationwide.
1221 Appletree Lane, Kokomo, IN 46902
Luminate Bank NMLS 1281698 Bank Headquarters 2523 S. Wayzata Blvd., Suite 100 Minneapolis, MN 55405 (952) 939-7200. This is not an offer to enter into an agreement. Information provided is outlining the minimum down payment requirements as allowed by specific loan program and product guidelines and any information, rates and programs are subject to change without prior notice and may not be available in all states. All loans are subject to credit and property approval. Luminate Bank is not affiliated with any government agency. All rights reserved.
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