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Conforming Loan Limit 2026: How FHFA Set the $832,750 Line — and Why Your Down Payment Decides Which Side You're On

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Shopping for a home near $850,000 and wondering whether your mortgage will be "conforming" or "jumbo"? For most of the country in 2026, the line is $832,750 — and it is drawn on your loan amount, not your home price. The Federal Housing Finance Agency (FHFA) set that number on November 25, 2025, and it stays in force through December 31, 2026. The 2027 number lands in late November. Here is how the line is set, where it sits higher, and the down-payment math that decides which side of it you land on. What a Conforming Loan Limit Actually Is A conforming loan is a mortgage Fannie Mae or Freddie Mac are allowed to buy. The conforming loan limit (CLL) is the largest loan balance the two government-sponsored enterprises may purchase. A loan at or below the limit for its county — and meeting their other guidelines — is "conforming." A loan above the limit is a "jumbo" loan. That distinction matters because conforming loans can be sold into the s...

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