Conforming Loan Limits Calculator 2026
Check whether your loan is conforming under 2026 Fannie Mae and Freddie Mac guidelines. Covers standard areas ($806,500), high-cost areas (up to $1,209,750), multi-unit properties, and AK/HI/Guam/USVI special exceptions.
2026 Fannie/Freddie conforming loan limits by property type and area. Your loan of $750,000 is highlighted.
| Property Type | Standard Area | High-Cost Area | Special Exception (AK/HI) |
|---|---|---|---|
| 1-unit (selected) | $806,500 | $1,209,750 | $1,209,750 |
| 2-unit | $1,032,650 | $1,548,975 | $1,548,975 |
| 3-unit | $1,248,150 | $1,872,225 | $1,872,225 |
| 4-unit | $1,551,250 | $2,326,875 | $2,326,875 |
Your loan of $750,000 is conforming — no action needed. Below are strategies for loans that exceed limits.
How to Use This Conforming Loan Limits Calculator
Enter your loan amount, select your county area type, and choose the number of units to instantly see whether your loan is conforming under 2026 Fannie Mae and Freddie Mac guidelines.
Quick Calculator
Enter your Loan Amount (the mortgage balance, not the home price) and select your Area Type. Most US counties are standard-area. High-cost areas include counties in California, New York, New Jersey, Hawaii, and the DC metro. Choose AK/HI/Guam/USVI if your property is in one of those special exception jurisdictions. The calculator immediately shows the 2026 limit for your area, whether your loan is conforming, and how far over or under you are.
Advanced Section
Explore the full 2026 limits matrix for 1-to-4-unit properties, track how limits have grown from $510,400 in 2020 to $806,500 in 2026, and review how AK/HI/Guam/USVI special exception rules work.
Pro Section
If your loan exceeds the conforming limit, see a side-by-side comparison of your three main options: going jumbo, putting down extra cash to stay conforming, or using a piggyback structure. Also learn the FHFA county lookup process to verify your exact limit before you apply.
How 2026 Conforming Loan Limits Are Calculated
High-cost limit = 150% of standard baseline
High-cost ceiling (1-unit): $806,500 × 1.50 = $1,209,750
Multi-unit multipliers (standard / high-cost):
• 1-unit: $806,500 / $1,209,750
• 2-unit: $1,032,650 / $1,548,975
• 3-unit: $1,248,150 / $1,872,225
• 4-unit: $1,551,250 / $2,326,875
Special exception (AK/HI/Guam/USVI):
• Equals the high-cost ceiling for all units
• Applies to ALL counties in those jurisdictions
FHFA updates limits every November using the House Price Index (HPI)
The FHFA sets conforming loan limits based on the change in average US home prices as measured by the House Price Index. When home values rise significantly (as they did 2020-2022), limits jump substantially. When prices flatten, limits may hold steady or rise only modestly.
Example: Buyer in San Jose, CA (High-Cost Area)
David wants to buy a $1,400,000 single-family home
| Home Price | $1,400,000 |
| Planned Down Payment (20%) | $280,000 |
| Planned Loan Amount | $1,120,000 |
| Santa Clara County area type | High-cost area |
| 2026 Conforming Limit | $1,209,750 |
| Is loan conforming? | NO — exceeds by $89,750 |
| Option A: Go jumbo | $1,120,000 jumbo loan at ~7.25% |
| Option B: Extra down to conform | Add $89,750 down → $1,209,750 loan at 6.75% |
| Option B monthly savings | ~$312/mo at conforming rate |
| Option B break-even | ~24 years (interest savings offset extra down) |
In this case David should evaluate whether the $89,750 extra down payment is worth the $312/month savings. The break-even is long at 24 years — for a shorter hold, jumbo may make more financial sense despite the higher rate.