2025 Loan Limits

Knowing your loan limits helps you understand your buying power and ensures you’re exploring the best financing options for your dream home. It also allows you to plan confidently, whether you’re purchasing your first house, upgrading to a larger space, or refinancing for better terms.

Loan Limit Map

Loan Programs

What Are Loan Limits?

Loan limits determine the maximum amount you can finance through certain loan programs, such as conventional or government-backed mortgages. These limits vary by county and property type, reflecting local home prices. Staying informed about loan limits can help you save and plan your purchase or refinance strategically.

National Loan Limit

The national loan limit refers to the baseline conforming loan limit set annually by the Federal Housing Finance Agency (FHFA) for conventional loans backed by Fannie Mae and Freddie Mac. This limit applies to most areas across the country and is based on the average home price nationwide.

High-Balance Loan Limit

High-balance loan limits (also called high-cost area limits) apply to high-cost areas where home prices exceed the national average. These limits are higher than the national loan limit, allowing borrowers in expensive markets to finance larger amounts without needing a jumbo (non-conforming) loan.

Conforming Loan Limit Map by County

Loan Programs

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