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Updated for 2026

Conventional Loan Limits 2026

With full conventional equity, there is no loan limit. Homebuyers with partial equity follow county-specific conforming loan limits set by FHFA.

2026 Conforming Loan Limits

These limits only apply to homebuyers with partial (reduced) equity. Most homebuyers have full equity and are not subject to these limits.

Area
1-Unit Limit
2-Unit Limit
Standard (most counties)
$832,750
$1,032,650
Los Angeles County, CA
$1,249,125
$1,548,975
San Francisco, CA
$1,249,125
$1,548,975
San Diego County, CA
$1,104,000
$1,379,800
Washington DC / Arlington
$1,249,125
$1,548,975
Clark County, NV (Las Vegas)
$832,750
$1,032,650
Maricopa County, AZ (Phoenix)
$832,750
$1,032,650
Honolulu County, HI
$1,249,125
$1,548,975
El Paso County, CO (Ft. Carson)
$832,750
$1,032,650

Limits for 2026 based on FHFA conforming loan limits. High-cost area limits vary by county. Source: Federal Housing Finance Agency.

KEY FACTS

Understanding conventional Loan Limits

Full Equity (No Limit)

If you have never used your conventional benefit, or you have paid off a previous conventional loan and restored your equity, you have full equity. With full equity, there is no maximum loan amount — you can buy a home at any price with 5-20% down as long as the lender approves you and the home appraises.

Partial Equity (County Limits Apply)

If you currently have a conventional loan outstanding or have not fully restored your equity, county loan limits determine the maximum you can borrow with 5-20% down. You can still buy above the limit, but you would need a down payment of 25% of the amount over the limit.

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MILITARY AREAS

Conventional Loan Limits Near Major Bases

Fort Liberty (Bragg)

Cumberland County, NC

$832,750
Camp Pendleton

San Diego County, CA

$1,104,000
Joint Base Lewis-McChord

Pierce County, WA

$832,750
Las Vegas

Clark County, NV

$832,750
Norfolk Naval Station

Virginia Beach, conventional

$832,750
Fort Hood (Cavazos)

Bell County, TX

$832,750
Pearl Harbor

Honolulu County, HI

$1,249,125
Fort Carson

El Paso County, CO

$832,750
FAQ

Loan Limit Questions

For homebuyers with full equity, there is no maximum loan amount. You can purchase a home at any price with 5-20% down. Loan limits only apply to homebuyers with partial (reduced) equity who have an existing conventional loan or unreleased equity.
The standard conforming loan limit for 2026 is $832,750 for a single-family home in most counties. High-cost areas have higher limits up to $1,249,125. These limits match the FHFA conforming loan limits and only affect homebuyers with partial equity.
Yes. With full equity, there is no limit. With partial equity, you can still buy above the limit, but you would need to make a down payment of 25% of the amount that exceeds the county limit.
You have full equity if you have never used your conventional loan benefit, or if you have paid off a previous conventional loan and had your equity restored. Your pre-approval letter (pre-approval) shows your remaining equity. Valley West can pull your pre-approval electronically to check.
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FAQ

Frequently Asked Questions

For homebuyers with full equity, there are no conventional loan limits — you can borrow any amount the lender approves. For homebuyers with reduced equity (from a prior conventional loan), limits follow county conforming loan limits. The 2026 baseline limit is $766,550 in most areas.

Clark County (Las Vegas, Henderson, North Las Vegas, Summerlin) follows the baseline conforming loan limit of $766,550 for 2026. Homebuyers with full equity can exceed this limit with low down payment options. Those with partial equity may need a down payment above this amount.

Yes. conventional jumbo loans are available for amounts exceeding the conforming loan limit. Homebuyers with full equity can get a conventional jumbo loan with 5-20% down. Those with partial equity may need a 25% down payment on the amount exceeding the county limit.

Yes. conventional loan limits are adjusted annually based on the Federal Housing Finance Agency (FHFA) conforming loan limit changes, which track home price appreciation. The 2026 limit increased to $766,550 from the 2025 limit of $766,550 in most areas.

The conventional does not set a minimum loan amount. However, most lenders have internal minimums, typically $50,000-$100,000. Valley West Mortgage can help determine the right loan size for your home purchase or refinance goals.

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