FRU News · Product explainers
2026 loan limits: when does a loan become a jumbo?
Where the conforming loan limit sits, when a loan becomes a jumbo, and how the FHA limit differs by county.
43 sec · Captions available on the player · Presented by AI-generated presenters, with every line taken from the FreeRateUpdate page it answers.
Source: FHFA and HUD conforming and FHA loan limits for 2026
Transcript
This is FreeRateUpdate News. I'm Edmund Ledger. Let's look at the 2026 loan limits. The conforming limit is the largest loan Fannie Mae and Freddie Mac will buy. Anything above it is a jumbo loan. For a one-unit home, most counties are at $832,750. Higher-cost counties go as high as $1,249,125, and two Hawaii counties go higher still. The FHA limit is the largest loan the FHA will insure in that county. Both limits change by county, so type a ZIP code to see the ones for your area. I'm Edmund Ledger, for FreeRateUpdate News.