Published by ConformingLoan.com –
Part of the national Browse Lenders® Ecosystem –
Last Updated: September 2025
📘 What Are Conforming Loan Limits?
A conforming loan is a mortgage that meets the standards set by the Federal Housing Finance Agency (FHFA) and can be purchased by Fannie Mae or Freddie Mac. These standards include criteria for borrower credit, down payment, and—most importantly—loan size.
Each year, the FHFA updates the Conforming Loan Limits based on changes in average home prices. If a mortgage exceeds the conforming limit for your county, it is classified as a non-conforming or jumbo loan—which often has different requirements and higher interest rates.
📈 2025 Conforming Loan Limits (Baseline)
- Standard 1-Unit Property Limit (Nationwide): $766,550
- High-Cost Area Maximum Limit: $1,149,825 (for eligible counties with higher home prices)
- 2–4 Unit Properties: Higher thresholds apply (see below)
If your mortgage falls at or below these limits, you may qualify for conforming financing—which typically includes better interest rates and less stringent underwriting than non-conforming loans.
🔍 2025 Conforming Loan Limits by Property Type
| Units | Standard Limit | High-Cost Limit |
|---|---|---|
| 1 | $766,550 | $1,149,825 |
| 2 | $981,500 | $1,472,250 |
| 3 | $1,186,350 | $1,779,525 |
| 4 | $1,474,400 | $2,211,600 |
🌎 State-by-State Breakdown of Conforming Loan Limits
📍States with Only Standard Limits ($766,550)
These states do not have any counties classified as high-cost areas. For these locations, any loan above $766,550 will be considered non-conforming.
- Alabama
- Arkansas
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Michigan
- Minnesota
- Mississippi
- Missouri
- Nebraska
- New Mexico
- North Dakota
- Ohio
- Oklahoma
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Texas
- West Virginia
- Wisconsin
- Wyoming
📍States with High-Cost Counties (Limits Up to $1,149,825)
These areas qualify for higher conforming limits based on median home values.
California
- High-Cost Counties: Los Angeles, Orange, Santa Clara, San Mateo, Alameda
- ✅ Limit: $1,149,825
- Many first-time buyers in these counties still qualify for conforming loans under the elevated thresholds.
New York
- High-Cost Counties: Bronx, Kings (Brooklyn), Queens, Manhattan, Westchester, Nassau
- ✅ Limit: $1,149,825
- This allows for conforming financing even in NYC metro areas with high property values.
Washington, D.C.
- Entire District is considered a high-cost area
- ✅ Limit: $1,149,825
Massachusetts
- High-Cost Counties: Middlesex, Suffolk, Norfolk, Plymouth
- ✅ Limit: $1,149,825
Colorado
- High-Cost Counties: Boulder, Eagle, Pitkin
- ✅ Limits: $856,750 – $1,006,250
Florida
- High-Cost Counties: Monroe (Key West), Collier (Naples)
- ✅ Limits: $880,000 – $929,200
Hawaii
- Entire state considered high-cost
- ✅ Limit: $1,149,825
Alaska
- Entire state considered high-cost
- ✅ Limit: $1,149,825
Virginia
- High-Cost Counties: Arlington, Fairfax, Loudoun, Alexandria
- ✅ Limits: Up to $1,006,250
Maryland
- High-Cost Counties: Montgomery, Howard, Prince George’s
- ✅ Limits: Up to $1,006,250
Utah
- High-Cost Counties: Summit (Park City), Wasatch
- ✅ Limits: $1,006,250+
Nevada
- High-Cost Counties: Clark (Las Vegas), Washoe (Reno)
- ✅ Limits: $848,250 – $906,750
Oregon
- High-Cost Counties: Deschutes, Clackamas, Multnomah
- ✅ Limits: $856,750+
Illinois
- High-Cost Counties: Cook, Lake, DuPage
- ✅ Limits: $840,000 – $906,250
Washington State
- High-Cost Counties: King, Pierce, Snohomish
- ✅ Limit: $977,500 – $1,149,825
🧠 Benefits of Conforming Loans
Conforming loans offer many advantages to qualified borrowers:
- ✅ Lower Interest Rates
- ✅ Backed by Fannie Mae or Freddie Mac
- ✅ Standardized Underwriting Guidelines
- ✅ Easier Refinance Options (via programs like HARP or RefiNow)
- ✅ May require lower down payments
🔗 How ConformingLoan.com Helps You
ConformingLoan.com is more than just a rate guide—it’s a trusted mortgage education hub and part of the national Browse Lenders® Ecosystem.
What That Means for You:
- 🏆 Only 6 expert lenders per state are featured
- 📍 Get matched with lenders who specialize in conforming financing in your area
- 📘 Access tools, guides, calculators, and expert tips—no fluff, no spam
Whether you’re a first-time buyer, upsizing, or refinancing, we give you the tools and trusted lender access to make confident choices.
📲 Ready to See If You Qualify?
Check today’s conforming limits in your county, explore rate options, or get matched with one of your state’s 6 exclusive lenders.
