Arcadia Chamber of Commerce - The Connection to the Business Community

FHFA Announces New Conforming Loan Limits – Info from Prestige Capital

The Federal Housing Finance Agency (FHFA) released updated conforming loan limit (CLL) values for 2026 recently.

The new limits for loans backed by Fannie Mae or Freddie Mac have risen 3.25%, up to $832,750 for one-unit properties in most counties. The limit in high-cost areas (such as New York City, Los Angeles, Alaska, and Hawaii) is up to $1,249,125. Loan limits have also gone up for two-, three-, and four-unit properties.

Here’s a map that shows the 2026 conforming loan limit ranges for every county in the United States.

This is great news for potential home buyers who may now qualify for a conforming loan, rather than a Jumbo loan. Conforming loans require as little as 3% down, while Jumbo loans require a much higher down payment, a higher credit score, and additional cash reserves.

Likewise, this is good news for homeowners that currently have a Jumbo loan, but now may be able to refinance into a conforming loan. If the remaining loan balance is below the new conforming loan limit range, it could be worth looking into. The qualification process is more straightforward with conforming loans and may come with lower interest rates.

Either way, it’s important to look at all your options to determine what the best strategy is for your unique situation. If you’re ready to look at what these new limits mean to you, please give us a call!