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This website discusses mortgage programs and how to qualify. Your eligibility may vary based on lender guidelines and investor overlays. Check with your lender for specific details.
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This article was checked for accuracy as of December 2, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.
Published: December 2, 2024
This interactive tool shows 2025 conforming and FHA mortgage loan limits, and historical loan limits from 1970 to present. It also includes timely mortgage and home buyer statistics to help first-time buyers make informed home-buying decisions.
Mortgage loan limits adjust annually to match changes in the FHFA House Price Index.
Mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.
2025 conforming and FHA mortgage loan limits for the 10 largest U.S. counties. Local loan limits and county-level mortgage data updated regularly.
A mortgage loan limit is the maximum amount a homebuyer can borrow with a mortgage. Loan limits depend on the type of home and the county where the property is located. Some counties are designated as high-cost areas, allowing higher loan limits to reflect local home prices.
The Federal Housing Finance Agency (FHFA) sets loan limits for conventional mortgages, and the Federal Housing Administration (FHA) sets them for FHA mortgages. For 2025, the conforming loan limit for a one-unit home is $806,500, and the FHA loan limit is $524,225.
Loan limits are updated every year based on changes in home values across the country. Mortgages that exceed the conforming loan limit are called jumbo mortgages. In 2025, VA loans and USDA loans have no loan limits, offering more flexibility for qualified borrowers.
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