Condos · 4 min read
What is the 2026 conforming loan limit?
July 1, 2026 · Written by Bill Egan, NMLS 7342
Short answer
For 2026 the typical conforming limit on a one-unit home is $832,750. Some high-cost counties have higher limits. Two-unit, three-unit, and four-unit properties have higher limits too.
01
Why this comes up
The price you are looking at sits near a line you have never heard of, and you do not know if this is a regular loan or a jumbo. That uncertainty is what stops the offer.
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Where this goes wrong
You write the offer as a regular conventional loan, then someone counts the units or the high-cost limit and you are jumbo. Pricing changes, reserves change, and the lock you have may not apply. Processing restarts while the contract clock keeps moving.
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What we do about it
We size the file against the current FHFA limit for that county and that number of units — not last year’s number copied from an old email. If you are over the line, we show you jumbo, a larger down payment, or a second mortgage before you write the contract around the wrong product.
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How to get ready
Look up the 2026 one-unit baseline: $832,750. High-cost counties can go higher. Count the units — a two-unit does not use the one-unit cap. Bring the address and the price. We will tell you which side of the line you are on before you spend earnest money.