FHFA / FHA / VA Loan Limits by County

Formula and source

Per-county lookup against the FHFA Conforming Loan Limit Values table (one-unit baseline + HERA high-cost adjustments). FHA single-family limit equals 65% of the conforming baseline as the floor and 150% of the FHFA ceiling as the FHA ceiling per 12 USC §1709(b)(2). VA full-entitlement borrowers have no statutory cap since 2020-01-01 per the Blue Water Navy Vietnam Veterans Act; partial-entitlement borrowers use the county conforming limit as the upper bound on the VA-guaranteed portion. Unknown counties fall back to the 48-state contiguous baseline.

FHFA Conforming Loan Limit Values for 2026 (annual, published 2025-11). HUD FHA Single-Family Mortgage Limits for 2026 (annual, published 2025-12). VA loan-limit policy per Public Law 116-23 (Blue Water Navy Vietnam Veterans Act of 2019).

Audience

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Related tools

• Loan-to-Value (LTV)
• PITI Mortgage Payment
• HUD Fair Market Rents

Posture

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