2026 mortgage conforming loan-limit update
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2026 mortgage conforming loan-limit update
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“Quick 2026 mortgage loan-limit update. For conventional conforming loans—Fannie Mae and Freddie Mac—the national baseline one-unit limit increased to $832,750, up $26,250 from $806,500 last year. Two-unit is $1,066,250, three-unit $1,288,800, and four-unit $1,601,750. Here in Fresno County, we’re at that baseline set—same numbers.
For FHA, the national floor moved up: one-unit $541,287, two-unit $693,050, three-unit $837,700, four-unit $1,041,125. The high-cost FHA ceiling is now $1,249,125 for one-unit. FHA’s 2026 limits apply to case numbers assigned on or after January 1, 2026.
VA doesn’t work like conforming limits if you have full entitlement—there’s generally no county loan-limit cap—though partial entitlement scenarios still reference county limits. USDA also doesn’t publish one fixed loan limit number; it’s more about eligibility and repayment ability.
And for buyers shopping above the new conforming cap, MKG Enterprises Corp NLMS 1370394 can structure solutions—like pairing a conventional first with a structured seller-carry Closed-End Second Mortgage—to keep deals moving without forcing a jumbo path.”
www.mkgenterprisescorp.com