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​Conforming Loan Limits

 

Fannie Mae and Freddie Mac are restricted by law to purchasing single-family mortgages with origination balances below a specific amount, known as the “conforming loan limit.” Loans above this limit are known as jumbo loans.

The national conforming loan limit for mortgages that finance single-family one-unit properties increased from $33,000 in the early 1970s to $417,000 for 2006-2008, with limits 50 percent higher for four statutorily-designated high cost areas: Alaska,  Hawaii, Guam, and the U.S. Virgin Islands.  Since 2008, various legislative acts increased the loan limits in certain high-cost areas in the United States.  While some of the legislative initiatives established temporary limits for loans originated in select time periods, a permanent formula was established under the Housing and Economic Recovery Act of 2008 (HERA).  The 2019 loan limits have been set under the HERA formula. 

 

2019 Conforming Loan Limits

Loan Limits for Calendar Year 2019 -- All Counties 

                  [XLS][PDF]


 


 


 

Conforming Loan Limit  Heat MapConforming Loan Limits Heatmap  View interactive map.

 

Previous Announced Loan Limits


 

​Description ​Format

​Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2018 and (b) Originated after 9/30/2011 or Prior to 7/1/2007

 [XLS]

​Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2017 and (b) Originated after 9/30/2011 or Prior to 7/1/2007

 [XLS]

​Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2016 and (b) Originated after 9/30/2011 or Prior to 7/1/2007

[XLS]

Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2015 and (b) Originated after 9/30/2011 or Prior to 7/1/2007

[XLS]

Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2014 and (b) Originated after 9/30/2011 or Prior to 7/1/2007

[XLS]

Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2013 and (b) Originated after 9/30/2011 or Prior to 7/1/2007

[XLS]

​Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2012 and (b) Originated after 9/30/2011 or Prior to 7/1/2007

[XLS]

​Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2011 and (b) Originated after 9/30/2011 or Prior to 7/1/2007

[XLS]

​Maximum Loan Limits for Loans Originated between 10/1/2010 and 9/30/2011
(Same as Limits for 1/1/10-9/30/10 Originations) 

[XLS]

​Maximum Loan Limits for 2010-Originated Mortgages
(Same as Limits for 2009 Originations in all Areas; Set under PL111-88)

[XLS]

​Maximum Loan Limits for Mortgages Originated in 2009
(American Recovery and Reinvestment Act-Limits)

[XLS]

​Maximum Loan Limits for Mortgages Originated between July 1, 2007 and December 31, 2008 (Economic Stimulus Act of 2008 Limits)

[PDF]

 

Related Links


FHFA Announces Maximum Conforming Loan Limits for 2018  (11/28/2017)
FHFA Announces Increase in Maximum Conforming Loan Limits for Fannie Mae and Freddie Mac in 2017 (11/23/2016)
2016 Maximum Conforming Loan Limits Established for Fannie Mae and Freddie Mac (11/25/2015)
FHFA Announces 2015 Conforming Loan Limits: Unchanged in Most of the U.S. (11/24/2014)
FHFA Seeks Public Input on Proposed Gradual Decrease of Future Fannie Mae and Freddie Mac Loan Purchase Limits (12/16/2013)
FHFA Announces Fannie Mae and Freddie Mac Conforming Loan Limits for 2014 (11/16/2013)
Maximum Conforming Loan Limits for Fannie Mae and Freddie Mac to Remain Unchanged in 2013 (11/29/2012)
Maximum Conforming Loan Limits to Remain Unchanged in All Counties But One in 2012  (11/22/2011)
Maximum Conforming Loan Limits to Remain Unchanged in the First Nine Months of 2011 (11/19/2010)
Maximum Loan Limits for Fannie Mae and Freddie Mac to Remain Unchanged for 2010 (11/12/2009)
2009 Conforming Loan Limits Increased by American Recovery and Reinvestment Act (2/23/2009)
2009 Conforming Loan Limits Raised In Two Counties (12/23/2008)
Conforming Loan Limit for U.S. to Remain $417,000 In 2009 (11/7/2008)
2009 Conforming Loan Limits to Be Announced by November 7 (10/17/2008)
Notice of Final Examination Guidance: Conforming Loan Limit Calculations (3/31/2008)
Statement on the Conforming Loan Limit for 2008 and Revised Draft Examination Guidance and Comments on Conforming Loan Limits (10/22/2007)
Guidance on Conforming Loan Limit (Revised Proposed) 
Guidance on Conforming Loan Limit (Proposed) (6/2007)
Comments on Proposed Guidance on Conforming Loan Limits Calculations (Notice 2007-N-15) (6/20/2007)
Media Release on Conforming Loan Limit for 2008 (11/27/2007)
Temporary Jumbo Conforming Loan Limits for 2008 
History of Conforming Loan Limits (Table 26 of 2007 Report to Congress)
Media Release on Conforming Loan Limit for 2007 (11/28/2006)

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