$806,500 for a 1-unit property at the baseline. Counties designated high-cost by FHFA have higher limits up to $1,209,750. Loans above the applicable limit are jumbo and not eligible for Fannie Mae or Freddie Mac purchase.

FHA floor: $524,225 (1-unit). FHA ceiling: $1,209,750 in highest-cost counties. The FHA limit is set as a percentage of the conforming limit by HUD each year.

FHFA tracks national home price appreciation. The conforming limit moves in step with home prices, with adjustments published each November for the following year. The high-cost ceiling is set at 150% of the baseline; FHA limits are 65-150% of the baseline depending on county.

Yes. Each additional unit raises the limit. 2-unit baseline is around $1.03M, 3-unit around $1.25M, 4-unit around $1.55M in 2026. High-cost counties scale higher.

Check the FHFA Conforming Loan Limits map - they publish it annually. California (Bay Area, LA, San Diego), greater NYC, DC metro, Hawaii, Alaska, and parts of New England all have high-cost counties.

It becomes a High Balance loan (if your county has high-cost designation) or a Jumbo loan. High Balance loans price ~0.25-0.50% in fees above baseline Conforming but remain agency-eligible. Jumbo is portfolio/private-market financing.