Up to $1,249,125 in high-cost areas.
See ratesSources: FHFA and HUD 2026 loan limit files. Restrictions apply.
| 1-unit limit | Conforming | FHA |
|---|---|---|
| Washington, DC | $1,249,125 | $1,249,125 |
| 1-unit limit | Conforming | FHA |
|---|---|---|
| Broward County | $832,750 | $667,000 |
| Duval County | $832,750 | $580,750 |
| Hillsborough County | $832,750 | $541,287 |
| Miami-Dade County | $832,750 | $667,000 |
| Monroe County | $990,150 | $990,150 |
| Orange County | $832,750 | $541,287 |
| Palm Beach County | $832,750 | $667,000 |
| 1-unit limit | Conforming | FHA |
|---|---|---|
| Chatham County | $832,750 | $541,287 |
| Cherokee County | $832,750 | $718,750 |
| Cobb County | $832,750 | $718,750 |
| DeKalb County | $832,750 | $718,750 |
| Fulton County | $832,750 | $718,750 |
| Gwinnett County | $832,750 | $718,750 |
| 1-unit limit | Conforming | FHA |
|---|---|---|
| Boone County | $832,750 | $541,287 |
| Fayette County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Kenton County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| Warren County | $832,750 | $541,287 |
| 1-unit limit | Conforming | FHA |
|---|---|---|
| Anne Arundel County | $832,750 | $747,500 |
| Baltimore | $832,750 | $747,500 |
| Baltimore County | $832,750 | $747,500 |
| Calvert County | $1,209,750 | $541,287 |
| Carroll County | $832,750 | $747,500 |
| Charles County | $1,249,125 | $1,249,125 |
| Frederick County | $1,249,125 | $1,249,125 |
| Harford County | $832,750 | $747,500 |
| Howard County | $832,750 | $747,500 |
| Montgomery County | $1,249,125 | $1,249,125 |
| Prince George's County | $1,249,125 | $1,249,125 |
| Queen Anne's County | $832,750 | $747,500 |
| 1-unit limit | Conforming | FHA |
|---|---|---|
| Chatham County | $832,750 | $634,800 |
| Durham County | $832,750 | $634,800 |
| Franklin County | $832,750 | $541,287 |
| Guilford County | $832,750 | $541,287 |
| Johnston County | $832,750 | $541,287 |
| Mecklenburg County | $832,750 | $541,287 |
| Orange County | $832,750 | $634,800 |
| Person County | $832,750 | $634,800 |
| Pitt County | $832,750 | $541,287 |
| Union County | $832,750 | $541,287 |
| Wake County | $832,750 | $541,287 |
| 1-unit limit | Conforming | FHA |
|---|---|---|
| Cuyahoga County | $832,750 | $541,287 |
| Franklin County | $832,750 | $591,100 |
| Hamilton County | $832,750 | $541,287 |
| Lucas County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Summit County | $832,750 | $541,287 |
| 1-unit limit | Conforming | FHA |
|---|---|---|
| Allegheny County | $832,750 | $541,287 |
| Bucks County | $832,750 | $630,200 |
| Chester County | $832,750 | $630,200 |
| Lehigh County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $630,200 |
| Philadelphia County | $832,750 | $630,200 |
| Pike County | $1,209,750 | $541,287 |
| 1-unit limit | Conforming | FHA |
|---|---|---|
| Berkeley County | $832,750 | $690,000 |
| Charleston County | $832,750 | $690,000 |
| Dorchester County | $832,750 | $690,000 |
| Greenville County | $832,750 | $541,287 |
| Lexington County | $832,750 | $541,287 |
| Richland County | $832,750 | $541,287 |
| 1-unit limit | Conforming | FHA |
|---|---|---|
| Cannon County | $1,029,250 | $1,029,250 |
| Cheatham County | $1,029,250 | $1,029,250 |
| Davidson County | $1,029,250 | $1,029,250 |
| Dickson County | $1,029,250 | $1,029,250 |
| Hamilton County | $832,750 | $541,287 |
| Hickman County | $1,029,250 | $1,029,250 |
| Knox County | $832,750 | $541,287 |
| Macon County | $1,029,250 | $1,029,250 |
| Maury County | $1,029,250 | $1,029,250 |
| Robertson County | $1,029,250 | $1,029,250 |
| Rutherford County | $1,029,250 | $1,029,250 |
| Shelby County | $832,750 | $541,287 |
| Smith County | $1,029,250 | $1,029,250 |
| Sumner County | $1,029,250 | $1,029,250 |
| Trousdale County | $1,029,250 | $1,029,250 |
| Williamson County | $1,029,250 | $1,029,250 |
| Wilson County | $1,029,250 | $1,029,250 |
| 1-unit limit | Conforming | FHA |
|---|---|---|
| Alexandria | $1,249,125 | $1,249,125 |
| Amelia County | $832,750 | $707,250 |
| Arlington County | $1,249,125 | $1,249,125 |
| Charles City County | $832,750 | $707,250 |
| Chesapeake | $832,750 | $757,850 |
| Chesterfield County | $832,750 | $707,250 |
| Clarke County | $1,249,125 | $1,249,125 |
| Colonial Heights | $832,750 | $707,250 |
| Culpeper County | $1,249,125 | $1,249,125 |
| Dinwiddie County | $832,750 | $707,250 |
| Fairfax | $1,249,125 | $1,249,125 |
| Fairfax County | $1,249,125 | $1,249,125 |
| Falls Church | $1,249,125 | $1,249,125 |
| Fauquier County | $1,249,125 | $1,249,125 |
| Fredericksburg | $1,249,125 | $1,249,125 |
| Gloucester County | $832,750 | $757,850 |
| Goochland County | $832,750 | $707,250 |
| Hampton | $832,750 | $757,850 |
| Hanover County | $832,750 | $707,250 |
| Henrico County | $832,750 | $707,250 |
| Hopewell | $832,750 | $707,250 |
| Isle Of Wight County | $832,750 | $757,850 |
| James City County | $832,750 | $757,850 |
| King And Queen County | $832,750 | $707,250 |
| King William County | $832,750 | $707,250 |
| Loudoun County | $1,249,125 | $1,249,125 |
| Madison County | $1,209,750 | $541,287 |
| Manassas | $1,249,125 | $1,249,125 |
| Manassas Park | $1,249,125 | $1,249,125 |
| Mathews County | $832,750 | $757,850 |
| New Kent County | $832,750 | $707,250 |
| Newport News | $832,750 | $757,850 |
| Norfolk | $832,750 | $757,850 |
| Petersburg | $832,750 | $707,250 |
| Poquoson | $832,750 | $757,850 |
| Portsmouth | $832,750 | $757,850 |
| Powhatan County | $832,750 | $707,250 |
| Prince George County | $832,750 | $707,250 |
| Prince William County | $1,249,125 | $1,249,125 |
| Rappahannock County | $1,249,125 | $1,249,125 |
| Richmond | $832,750 | $707,250 |
| Spotsylvania County | $1,249,125 | $1,249,125 |
| Stafford County | $1,249,125 | $1,249,125 |
| Suffolk | $832,750 | $757,850 |
| Surry County | $832,750 | $757,850 |
| Sussex County | $832,750 | $707,250 |
| Virginia Beach | $832,750 | $757,850 |
| Warren County | $1,249,125 | $1,249,125 |
| Williamsburg | $832,750 | $757,850 |
| York County | $832,750 | $757,850 |
| 1-unit limit | Conforming | FHA |
|---|---|---|
| Brown County | $832,750 | $541,287 |
| Dane County | $832,750 | $541,287 |
| Milwaukee County | $832,750 | $541,287 |
| Outagamie County | $832,750 | $541,287 |
| Racine County | $832,750 | $541,287 |
| Waukesha County | $832,750 | $541,287 |
