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How loan limits work

County Loan Limits republishes official U.S. mortgage loan limits county by county, so you can check a number in seconds and see what it means for a purchase price.

What we publish

  • Conforming loan limits for 1–4 unit homes from FHFA’s 2026 county list. For 2026 the baseline for a one-unit home is $832,750 and the high-cost ceiling is $1,249,125. FHFA sets the baseline from the change in average U.S. home prices and sets high-cost limits at 115% of the local median home value, capped at 150% of the baseline.
  • FHA loan limits from HUD’s CY2026 forward-mortgage file: 115% of the area median sale price, no lower than the floor ($541,287 for one unit) and no higher than the ceiling ($1,249,125).
  • VA: since January 1, 2020, veterans with full entitlement have no VA loan limit. For veterans with entitlement in use, remaining entitlement is 25% of the one-unit conforming limit minus entitlement in use, and lenders often cap $0-down loans at four times that amount (VA Circular 26-25-10).

How we build it

A script downloads the source files, records each file’s date and checksum, and rebuilds every page. Nothing is typed by hand. When FHFA publishes new limits (usually late November) and HUD follows (usually December), we re-run the build; each program shows its own year, so a page can show 2027 conforming limits next to 2026 FHA limits during the gap.

The calculator turns a limit into a maximum price (limit ÷ (1 − down payment)) and a principal-and-interest payment at the rate you enter. The default rate is Freddie Mac’s latest weekly 30-year average.

Sources

Who we are

County Loan Limits is a free reference site run by Olsen Industries. We are not a lender, broker or government agency, and we don’t sell your information. Questions or corrections: [email protected].