Federal Housing Finance Agency Print
Home / Data & Tools / Data / Conforming Loan Limits

​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 amount 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 conforming 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 2022 c​onforming loan limits have been set under the HERA formula. 

See the latest Conforming Loan Limits news release here.

 

2022 Conforming Loan Limits


Conforming Loan Limits for Calendar Year 2022 -- All Counties 

          [XLS][PDF]​, [MAP], [ADDENDUM], [FAQs]

 

Previously Announced Loan Limits


 

​Description ​Format

Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2021 and (b) Originated after 9/30/2011 or Prior to 7/1/2007​

[XLS]

​Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2020 and (b) Originated after 9/30/2011 or Prior to 7/1/2007

[XLS]​

​Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2019 and (b) Originated after 9/30/2011 or Prior to 7/1/2007

 [XLS]

​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 2022 (11/30/2021)
FHFA Announces Maximum Conforming Loan Limits for 2021 (11/24/2020)
FHFA Announces Maximum Conforming Loan Limits for 2020 (11/26/2019)
FHFA Announces Maximum Conforming Loan Limits for 2019 (11/27/2018)
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)


For questions, please contact LoanLimitQuestions@fhfa.gov.  

​​​​​

© 2021 Federal Housing Finance Agency