U.S. Mortgage Index

How can I find the conforming loan limit for my county?

Short answer

Current limits are published by the Federal Housing Finance Agency and vary by county and property type. The CFPB also points consumers to HUD's county lookup. Use the official finder for the year and county you need rather than a remembered dollar amount.

Full explanation

A conforming loan is one that Fannie Mae or Freddie Mac is allowed to guarantee. Federal law caps that guarantee amount. Limits are higher in some high-cost counties and higher still for two-to-four-unit properties when you buy the entire building. If you are buying a single condo unit, the one-unit limit applies. A loan above the applicable limit is generally a and can require a larger down payment.

FHFA publishes the current figures at https://www.fhfa.gov/data/conforming-loan-limit. The CFPB also points to HUD's county lookup. Use that official tool, choose the Fannie/Freddie (conforming) limit type, and read the column that matches the number of units you are buying.

This page does not freeze a national or high-cost dollar amount because those figures are updated. Check the official FHFA or HUD lookup for the year and county of the home you are considering.

Sources reviewed

Last reviewed

September 10, 2026