2027 Loan Limits: What Is Official So Far?

2027 limits are still pending

As of November 10, 2026, the official FHFA conforming-loan tables and HUD FHA guidance still publish 2026 limits. Neither agency has announced its 2027 schedule. An estimate or a lender's early program offering is not an official nationwide limit.

For a 2027 purchase or refinance, confirm the published limits and their effective dates before relying on a loan amount. The applicable year can depend on the program: FHA uses the case-number assignment date, while FHFA's tables describe loans acquired by Fannie Mae or Freddie Mac in the specified calendar year. A lender must confirm which rules apply to your transaction.

Published 2026 limits for a one-unit home

• Conforming: $832,750 in most U.S. counties, with a $1,249,125 ceiling in designated high-cost areas. Special statutory provisions apply in Alaska, Hawaii, Guam and the U.S. Virgin Islands.
• FHA forward mortgages: a $541,287 floor and $1,249,125 high-cost ceiling. A county's limit may fall between those figures; special exception areas have higher ceilings.

These are 2026 figures, not 2027 limits. Two-, three- and four-unit properties have different limits. Use the FHFA county tables or HUD FHA Mortgage Limits lookup for the property's county, number of units and applicable year. FHA forward limits generally apply to the base loan amount before financed upfront mortgage insurance; the total mortgage may exceed the limit by that financed premium. These limits are separate from HECM reverse-mortgage limits.

When does a mortgage become jumbo?

A conventional loan is jumbo when the loan amount exceeds the applicable conforming limit. The home's price alone does not decide this: a larger down payment may keep the loan within the conforming limit. Jumbo loans have lender-specific qualification and maximum loan amounts; there is no single national jumbo maximum.

Exceeding an FHA limit does not automatically make a mortgage jumbo. FHA and conforming limits are separate. Compare conventional, jumbo and FHA options for your circumstances.

VA works differently

With full entitlement, VA does not set a county loan limit. With remaining entitlement, county one-unit conforming limits can affect the guaranty and down payment. For VA remaining-entitlement calculations, use the county one-unit limit even when buying a multi-unit home. Income, credit, lender limits and the property appraisal still matter. Read VA's entitlement and limits guidance and our VA loan guide.

Planning your next step

Ask a Bloom Lending loan officer to confirm your county, unit count, entitlement if relevant, and the effective loan-limit schedule. Treat a 2027 budget as a planning scenario until the agencies publish the applicable limits and the lender confirms eligibility. Loan approval is subject to underwriting; this article is educational and is not a rate quote or commitment to lend.