The Federal Housing Finance Agency (FHFA) recently announced updated conforming loan limits for mortgages eligible for purchase in 2026, and it’s good news for buyers.
In most areas of the country, the new limit for 1-unit properties will be $832,750, an increase of $26,250 from 2025. This adjustment reflects rising home values and gives buyers more flexibility without needing to move into jumbo loan territory.
Why Conforming Loan Limits Matter
Conforming loans often come with:
- More competitive interest rates
- Lower down payment options compared to jumbo loans
- Broader lender availability and flexibility
With the higher 2026 limits, buyers may be able to:
- Purchase higher-priced homes while staying conforming
- Reduce required cash at closing
- Keep financing options simpler and more affordable
What This Means Going Forward
If you’re planning to buy in 2026 — or advising buyers on timing their purchase — understanding these new limits early can make a big difference. Structuring the loan correctly could mean thousands of dollars saved over time.
As a mortgage broker, I work with over 100 lenders and stay ahead of guideline changes like this so clients can make informed decisions with confidence.
If you’d like to talk through how the new conforming limits may apply to your situation or your clients, I’m always happy to help.
Call or text 206-949-5563
Visit www.YourMortgageCopilot.com ✈️
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