2025 Conforming Loan Limits: What You Should Know

Travis Chapman
Jul 9
2 min read

What Are Conforming Loan Limits?

Conforming Loan Limits are the maximum amounts that Fannie Mae and Freddie Mac can purchase or guarantee. Loans above these limits are labeled jumbo mortgages, which often come with stricter credit standards and higher interest rates.

2025 National Baseline & High-Cost Limits (Contiguous U.S.)

Property Units	2025 Limit
1‑unit	$806,500
2‑unit	$1,032,650
3‑unit	$1,248,150
4‑unit	$1,551,250

That's a 5.2% increase from 2024, reflecting rising home prices (sf.freddiemac.com, mortgage-underwriters.org, FHFA).

High-Cost Areas

In counties where 115% of median home value > baseline, limits rise up to 150% of baseline:

Property Units	Ceiling Limit
1‑unit	$1,209,750
2‑unit	$1,548,975
3‑unit	$1,872,225
4‑unit	$2,326,875 (FHFA, sf.freddiemac.com)

These also apply as baseline for Alaska, Hawaii, Guam & U.S. Virgin Islands (FHFA).

County-Specific Limits & Lookup Tool

Every county has its own conforming limit, which can be lower than the max ceiling. Lenders and buyers should always check their specific county values via FHFA/Fannie Mae look-up tools (FHFA).

Loan Limit Look Up

Why These Limits Matter

Keeping your mortgage under the limit allows access to lower rates and easier qualification
Going above means a jumbo loan—higher rates, stricter credit, and more down payment
For high-cost areas, staying within ceiling limits can preserve lower-cost financing

Summary Table

Scenario	Loan Type	Benefits
Loan ≤ County Limit	Conforming	Lower rates, streamlined underwriting, smaller downpayment
Loan > County Limit	Jumbo	Larger loan size, higher credit & cash requirements
High-Cost County, Loan ≤ Ceiling	Super-Conforming	Max conforming financing with best terms

How I Can Help You

When it comes time to purchase a home, I want to help you! Hopefully articles like this give you good information and a better understanding of the mortgage world but let me use my experience and expertise to help you with your particular situation.

I tell my clients and referral partners that a mortgage transaction starts with a simple conversation. Let’s talk about your financial situation, budget, and goals so that I can help you determine the best solution for you. During a 10-minute informal conversation, we can get you on the right path as it relates to a home purchase or mortgage refinance.