2025 Loan Limits

Conventional, Conforming (Fannie Mae & Freddie Mac)

• In most of the U.S. limit is $806,500 for one-unit properties.

• In high-cost areas, the ceiling loan limit for one-unit properties will be $1,209,750.

• Special statutory provisions apply to Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the baseline loan limit will also be $1,209,750 for one-unit properties.

Federal Housing Administration (FHA)

• Ranges from $524,225 to $688,850 for a single-family homes, depending on the county.

• The limit is higher for properties with multiple units. 

• Click Here to lookup loan limit for specific county

VA (Department of Veterans Affairs)

• For most counties $806,500 for single-family homes, not counting high-cost areas.

• Over county limit:

  • Veteran must have 640+ credit.

  • Must have full eligibility per the Blue Water Navy Act.

  • Maximum Loan Amount: $1.5M.

USDA

• The mortgage loan limit is limited by the household income.

• 1-4 member households is $112,450.

• 5-8 member households is $148,450.

Non-QM

• Depending on the loan option, limits range from minimum of $100k to 4M.

JUMBO

• Varies by Jumbo investor.

• These are loans that exceeds $806,500 loan amounts, single family.