Límite de préstamo hipotecario

Notas del cálculo

Detalles sobre redondeos, versiones y límites del cálculo.

• The limit is on the loan, not the price. FHFA publishes four figures per county, one for each unit count from one to four. Your loan amount is compared with the figure that matches the property. A larger down payment can bring an expensive house under the same limit.
• Three bands, not two. At or under the local conforming baseline the loan is conforming. On the mainland that baseline is 832,750 for one unit in 2026. In Alaska, Hawaii, Guam and the U.S. Virgin Islands statute sets the local baseline at 150% of that figure (1,249,125). Above the local baseline and at or under the county limit the loan is high-balance conforming: still agency-eligible, with its own price adjustment. Above the county limit it is jumbo.
• When the file applies. These values apply to loans acquired in calendar year 2026 (2026-01-01 through 2026-12-31). A November announcement is not in force before 1 January.
• Alaska, Hawaii, Guam and the Virgin Islands. Statute sets those areas at 150% of the otherwise applicable limit, so a handful of Hawaii counties can sit above the national ceiling. That is a printed exception, not a data error.