2026 FHA Loan Limits: Important Update for Springs Homeowners

Homebuyers and refinancers in Springs, take note! The FHFA has announced the 2026 conforming loan limits (CLLs), which determine the maximum loans Fannie Mae and Freddie Mac can purchase.

For most U.S. areas, the baseline one-unit property limit will now be $832,750, up $26,250 from 2025. High-cost regions have a ceiling limit of $1,249,125, while Alaska, Hawaii, Guam, and the U.S. Virgin Islands have special limits, with ceilings reaching $1,873,675.

These updates follow a 3.26% average increase in U.S. home values, reflecting current market conditions. Whether you’re looking to buy your first home or refinance an existing mortgage, these new limits could open the door to larger loan opportunities.

Explore the detailed county limits on the FHFA CLL Map. At American Liberty Mortgage Springs, we’re here to guide you through the latest loan options and make your home financing process smooth.