2026 Conforming Limits:
So, what exactly are these limits?
The baseline conforming loan limit for 2026 is $832,750 for VA and 1-unit conventional loans, an increase from 2025’s $806,500 limit. In 2024 the confirming limit was $766,550 up from 2023 which was $726,200, which also went up from $647,200 in 2022. In 2026, two-unit property conforming loan limit is at $1,066,250, three-unit properties are set at $1,288,800, and four-unit properties are at $1,601,750.
If you need a home loan that exceeds the conforming loan limit for your county, you’ll have to get a jumbo loan, which allows higher loan limits. However, these loans are typically harder to qualify for, requiring higher credit scores and larger down payments.
What To Consider Before You Borrow More Than The Conforming Loan Limit
If you’re considering purchasing a home outside of the conforming loan limits, be sure you understand whether you can afford a non-conforming loan and what this type of loan would mean for your finances. The larger the loan is, the higher your monthly payment will be.