Video Transcript
What will mortgage loan limits be for next year? For 2026? Well, if home appreciation continues at this rate, we can expect 1-unit homes to get a new 2026 mortgage loan limit of $830,200. In high cost areas, that'll go up to $1.25 million. Now, all this is according to the FHFA's House price Index. It's a quarter-to-quarter and year-to-year measure of how home prices change. And it's the multiplier used to find next year's mortgage loan limits. You take this year's limits, you add it to this year's rate of home appreciation, and voilà, you've got your limits for next year. Q2 data shows home values up 2.94% nationwide from a year ago. So if we see no additional change in Q3, your 2026 mortgage loan limits on conventional loans. It'll be $830,200. We've got all the loan limits on the website. It's broken down by county - all 3,100 of them. The link is in the comments. I'm Dan from Homebuyer.com. Happy homebuying..
2026 Mortgage Loan Limits - Previewed
For 2026, conventional mortgage loan limits are projected to reach approximately $830,200 for one-unit homes nationwide, with limits in high-cost areas rising to $1.25 million. This is based on the FHFA's House Price Index, which shows a 2.94% increase in home values from the previous year.
Video Transcript
What will mortgage loan limits be for next year? For 2026? Well, if home appreciation continues at this rate, we can expect 1-unit homes to get a new 2026 mortgage loan limit of $830,200. In high cost areas, that'll go up to $1.25 million. Now, all this is according to the FHFA's House price Index. It's a quarter-to-quarter and year-to-year measure of how home prices change. And it's the multiplier used to find next year's mortgage loan limits. You take this year's limits, you add it to this year's rate of home appreciation, and voilà, you've got your limits for next year. Q2 data shows home values up 2.94% nationwide from a year ago. So if we see no additional change in Q3, your 2026 mortgage loan limits on conventional loans. It'll be $830,200. We've got all the loan limits on the website. It's broken down by county - all 3,100 of them. The link is in the comments. I'm Dan from Homebuyer.com. Happy homebuying..
