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09/15/2026 - Increasing Conventional Conforming Loan Limits

09/15/2026 - Increasing Conventional Conforming Loan Limits

Increasing the conforming loan limits allows more borrowers to qualify for an agency- conforming balance loan program, taking advantage of the following benefits.

With many markets throughout the country seeing home values appreciate, and to sustain our goal of supporting homeowners, we are pleased to announce that the conforming loan limit has been updated to $845,000 ($1,267,500 in Alaska and Hawaii) for all 1-unit conventional transactions effective for loans locked on or after September 15, 2026. 

Increasing the conforming loan limits allows more borrowers to qualify for an agency- conforming balance loan program, taking advantage of the following benefits.

  • Down payments as low as 3%. 

  • Lower interest rates than agency high balance loans. 

  • Lower minimum FICO scores than Jumbo loans. 

Note: Existing locks will not be allowed to apply the new interim loan limits, no exceptions. 

 

Contiguous U.S. (including Washington, D.C.):  

  • 1-unit: $845,000 

  • 2-units: $1,081,950 

  • 3-units: $1,307,800 

  • 4-units: $1,625,350 

 

Alaska and Hawaii  

  • 1-unit: $1,267,500 

  • 2-units: $1,622,925 

  • 3-units: $1,961,700 

  • 4-units: $2,438,025 

 

Additional Items to Note 

  • Arch, Essent and Radian MI Providers will not adopt these increased loan limits until on or after September 21, 2026. All other MI providers have already adopted these loan limits. 

  • This update does not apply to FHA or USDA loans. 

  • For loans that receive a DU Approve/Ineligible or LP Accept/Ineligible, we’ll accept the Approve/Ineligible if the Ineligible response is only due to the loan amount exceeding the conforming loan limits. 

  • A full appraisal is required. No Appraisal Waivers will be allowed. 

  • The first payment must be on or after December 1, 2026. 

  • VA pricing has also been updated to align with the new conforming loan amounts shown above.

We’ll re-review the new conforming limits once the Federal Housing Finance Agency (FHFA) announces the 2027 limits. 

 

Questions? Please reach out to your account executive.