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Federal Housing Finance Agency (FHFA)

The federal agency that sets the conforming loan limit each year. That limit is the most Fannie Mae and Freddie Mac will buy. A one-unit loan above the limit for the county is a jumbo loan. For 2026 the baseline is $832,750 in most of the country, and up to $1,249,125 in high-cost counties.

Jumbo loan requirements → Conforming loan limits at FHFA.gov ↗