If you’re taking out a conventional loan to finance a home purchase in 2026, it can be as much as $832,750 in most places in the country.
The Federal Housing Finance Agency announced the conforming loan limit (CLL) for 2026 on Tuesday, which lenders will use to underwrite most mortgages: It ranges from $832,750 in most areas to $1,249,125 in several high-cost areas. The FHFA sets the conforming loan limit based on average home prices the year prior. Conventional, Federal Housing Administration loans, U.S. Department of Agriculture loans and Veterans Administration loans all follow this limit.
The CLL is so important to the mortgage market for one primary reason — it’s the maximum mortgage amount the government will insure. So, lenders make it a rule with most of their loans as well. That way, if need be, the lender can sell the mortgage to a government-sponsored mortgage company like Freddie Mac or Fannie Mae.
You can see the CLL in your county falls using this map.
Or you can search with this table.
If you need to take out more than this allotted amount to finance your home purchase or refinance, you still have options. Most lenders offer jumbo loans — any mortgage that is larger than the CLL.
These loans are riskier for the lender to finance because Fannie Mae and Freddie Mac won’t purchase them. As a result, they usually have more stringent requirements and a higher interest rate. For example, while most lenders offer conventional loans to borrowers with a credit score of 620 or higher, the minimum credit score to qualify for a jumbo loan is 650 to 680.
If you think you may purchase a home that falls outside the CLL, Rocket Mortgage could be a good fit. We picked it for our best jumbo loan lenders list because it consistently ranks among the top lenders on J.D. Power’s customer satisfaction survey. It also maintains the highest rating from the Better Business Bureau.
Rocket Mortgage
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Annual Percentage Rate (APR)
Apply online for personalized rates; fixed-rate and adjustable-rate mortgages are available.
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Types of loans
Conventional loans, FHA loans, VA loans, Jumbo loans, low-down-payment mortgages
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Terms
10-, 15- and 30-year fixed-term conventional loans, 30-year VA and FHA loans, custom mortgages with fixed-rate terms from 8 to 29 years.
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Credit needed
620 for conventional loans
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Minimum down payment
0% for VA, 1% for RocketONE+, 3% for conventional, 3.5% for FHA, 10% to 15% for jumbo
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Already have a mortgage through Rocket Mortgage or looking to start one? Check out the Rocket Visa Signature Card to learn how you can earn rewards.
Rocket Mortgage is also among our top picks for best mortgage lender, best FHA loan lender and best VA loan lender, for its loan selection, nationwide availability, online tools and excellent customer service, so it’s a good choice to consider even if you fall within the CLL.
For added options, no matter the size of your loan, see below.
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