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Loan limit calculator
Loan limit calculator finds the conventional loan limit for your area by entering your zip code. Check the maximum mortgage amount you qualify for in 2026.
Conforming Loan Limit |
|
| $1,209,750 | |
| $1,548,975 | |
| $1,872,225 | |
| $2,326,875 | |
Conventional Loan Limit 2026
| Number of Units | Baseline Conforming Loan | High Cost Area |
|---|---|---|
| 1 | $806,500 | $1,209,750 |
| 2 | $1,032,650 | $1,548,975 |
| 3 | $1,248,150 | $1,872,225 |
| 4 | $1,551,250 | $2,326,875 |
What are the Conforming Loan Limits
The tandard conforming Loan Limits are(Most Areas):
- One-unit property: $806,500
- Two-unit property:$1,032,650
- Three-unit property: $1,248,150
- Four-unit property: $1,551,250
High-Cost Area Limits (150% of Standard Limit):
- One-unit property: Up to $1,209,750
- Two-unit property:$1,548,975
- Three-unit property: $1,872,225
- Four-unit property: $2,326,875
Examples:
- If you live in New York City (a high-cost area), you may qualify for the higher limit of $1,209,750
- However, if you live in Albany, NY, you would only qualify for the baseline amount of $806,500, as not all counties in New York State have the same loan limits
Check Your Eligibility: Use our loan limit calculator to determine if your area follows the baseline or high-cost limits.
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