Conforming Mortgage Loan Limits

Conventional Loan Limits

(Fannie Mae / Freddie Mac)
  • Fannie Mae and Freddie Mac Increase Loan Limits from $548,250 to $647,200.
  • High Cost Areas : The new ceiling loan limit for one-unit properties will be $970,800, which is 150 percent of $647,200. 

FHA & VA Loan Limits

  • The Federal Housing Agency (FHA) has raised its loan limit by 18% to a maximum amount of $420,680 in most areas.
  • High Cost Areas: In certain high cost areas, it’s $ $970,800

  • FHA & VA loan limits are determined by statistical data on a county by county basis.
  • Visit https://entp.hud.gov/idapp/html/hicostlook.cfm to determine loan limits for 1-4 family properties by county.
 
Limited 203K up to $50,000
 

Effective January 2022