U.S. Mortgage Loan Limits

U.S. Mortgage Loan Limits

Source: Federal Housing Finance Agency; Federal Housing Administration

What’s On This Page

This interactive home buyer tool shows current conforming and FHA mortgage loan limits in the U.S., alongside charts that detail historical local loan limit changes from 1970 to present.

The mortgage loan limits information on this page is sourced from the Federal Housing Finance Agency (FHFA) and the Federal Housing Administration (FHA), and is verified for changes regularly.

As a helpful added resource, this page also contains local home buyer demographic data, provided by the Home Mortgage Disclosure Act.

What Is A Mortgage Loan Limit?

Mortgage loan limits are the upper boundaries for how much a home buyer can borrow on a mortgage. Loan limits vary by home type and county, with some counties receiving the high-cost areas designation.

The Federal Housing Finance Agency (FHFA) sets mortgage loan limits for conforming mortgages and the Federal Housing Administration (FHA) sets loan limits for FHA mortgages. In the U.S., the 2024 conforming mortgage loan limit for a 1-unit home is $766,550. The 2024 FHA mortgage loan limit for a 1-unit home is $498,257.

Conforming and FHA mortgage loan limits change annually to reflect changes in local and national home values. Loans that exceed conforming loan limit sizes are commonly called jumbo mortgages. In 2024, there are no mortgage loan limits for VA loans or USDA loans.

Mortgage Loan Limits in the 10 Largest U.S. Counties

Get 2024 conforming and FHA mortgage loan limits for the 10 largest U.S. counties. Local loan limits and county-level mortgage data updated regularly.

Historical Charts: Mortgage Loan Limits in the U.S.

Mortgage loan limits adjust annually to match changes in U.S. home values. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.

National Mortgage Statistics

National mortgage statistics for the most recently-available five-year period as sourced from the Home Mortgage Disclosure Act (HMDA) database and maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database stores detailed, anonymous loan data on a national basis and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.

U.S. data represents closed-end, first-lien purchase mortgages for residential properties, 1-4 units, for the 5-year period 2018-2022. Source: FFEIC Home Mortgage Disclosure Act

Mortgage Statistics in the 10 Largest U.S. Counties

Get mortgage statistics for the 10 largest U.S. counties. County-level mortgage statistics updated regularly.

See National 2024 U.S. Mortgage Statistics

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See Today’s U.S. Mortgage Rates

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Mortgage Limits By State