Calculator · 3,235 counties · 2026 limits
Loan Program Finder — 2026 limits by county
Find which loan program can finance a home at your price, in your county.
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Where do these limits come from?
The conventional limit is read off the FHFA's 2026 county file and the FHA limit off HUD's own CY2026 county file — two agencies, two separate numbers for the same county. Each county has a page here carrying both, with the line from each file that states them.
How do you know it's right?
Each limit is checked back against its own source file: the number has to appear in the line we quote, and that line has to appear in the file. The sums run in your browser and are written out in full under the answer, so you can follow every step. More on how that works.
What does this not tell you?
Whether a lender will approve you — credit score, income, debts and reserves are not in this. It answers one question: how large a loan each program's rules allow in your county. FHA's 3.5% minimum down payment and its 1.75% upfront insurance premium are HUD rules rather than figures from the county files, and are labelled as such.
About these numbers
Every US county has its own conventional loan limit, set each year by the Federal Housing Finance Agency, and its own FHA limit, set separately by HUD. In 3,116 counties the FHA limit is lower; in 92 they are identical; and in 27 — the five New York City boroughs, eleven northern New Jersey counties and a handful in Colorado and Utah — FHA reaches higher than conventional. The widest gap between the two runs to $707,838, in 26 Alaska boroughs and St. Croix. Look up any county.