Fannie Mae Announces 2026 Conforming Loan Limits
Fannie Mae recently published Lender Letter 2025-04, announcing a substantial increase in the conforming loan limit values (CLLVs) for 2026.
The new limits vary based on property type (number of units) and geographic location (standard, high-cost, or special statutory areas), as provided below.
| Unit Count | Standard Limit (Contiguous U.S.) | High-Cost Area Ceiling | AK, GU, HI, US Virgin Islands Baseline Limit |
| One-Unit | $832,750 | $1,249,125 | $1,249,125 |
| Two-Units | $1,066,250 | $1,599,375 | $1,599,375 |
| Three-Units | $1,288,800 | $1,933,200 | $1,933,200 |
| Four-Units | $1,601,750 | $2,402,625 | $2,402,625 |
Note: The limits for Alaska, Guam, Hawaii, and the U.S. Virgin Islands are statutorily set at the same level as the High-Cost Area Ceiling for the contiguous U.S. In a few areas of Hawaii, an even higher local ceiling (up to $1,299,500 for one-unit) may apply.
The new limits apply to loans delivered to Fannie Mae (including those in MBS pools) with issue dates on or after January 1, 2026.
