The conforming loan limit for mortgages eligible to be purchased by Fannie Mae and Freddie Mac has been $832,750 for single family homes in our area in 2026. This loan limit is typically increased each January to reflect changes in the average U.S. home price, and is a critical part of keeping the housing market working.
This chart shows various down payment options that maximize the new conventional conforming loan limit:
| Purchase Price | $1,040,938 | $979,706 | $925,278 | $876,579 | $858,505 |
| Down Payment | 20% | 15% | 10% | 5% | 3% |
| Down Payment Amount | $208,188 | $146,596 | $92,528 | $43,829 | $25,755 |
| Loan Amount | $832,750 | $832,750 | $832,750 | $832,750 | $832,750 |
Please contact us if you have questions about Jumbo Mortgages.
Conforming Loan Limit for 2026