How big a normal mortgage can be (2026)

Pick the county the home is in. We look up the official dollar cap for a regular mortgage there. Estimate, not a quote.

County and how many homes in the building are required. Borrowing amount is optional.

Which state is the home in?

Which county is the home in? The cap is set by county, not by ZIP. If you live in a city that is its own county, pick that city.

How many homes are in the building? A regular house is 1. A duplex is 2. The official list posts a different dollar for 1, 2, 3, or 4 homes.

How much would you borrow? (optional) Leave this blank to only see the county cap. If you type a dollar amount, we tell you whether it is under or over that cap.

Sources

Dollars on this page come only from these official links. Last opened 2026-08-24. If a county or unit count is not on the all-counties file, it is not on this calculator.

Source	What we use	Official page
FHFA 2026 news release	Nationwide 1-home floor $832,750. High-cost 1-home ceiling $1,249,125.	FHFA announces 2026 loan limit values
FHFA all-counties file (2026)	County 1–4 home dollar caps, as published	fullcountyloanlimitlist2026_hera-based_final_flat.csv
FHFA conforming loan limit page	Same 2026 files listed	fhfa.gov/CLL

What this number is

Under this dollar, a normal mortgage; over it, a harder loan, usually a worse rate.
The nationwide floor for a 1-home building in 2026 is $832,750. Some costly counties are higher, up to the published ceiling of $1,249,125 for a 1-home building. A few listed areas are higher still — we use the county row from the file, never a made-up extra.
2-, 3-, and 4-home buildings have their own published dollars on the same county row. We do not scale the 1-home figure ourselves.

This is an estimate, not a loan quote, rate, or approval. Lenders still check credit, income, and the home.