The Federal Housing Finance Agency (FHFA) has announced the new conforming loan limits for 2026, and they’ve once again increased, giving buyers and homeowners more flexibility and opportunity in today’s housing market.

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2026 Conforming Loan Limits Are Here – What It Means for You

The Federal Housing Finance Agency (FHFA) has announced the new conforming loan limits for 2026, and they’ve once again increased, giving buyers and homeowners more flexibility and opportunity in today’s housing market.

📈 What Changed in 2026

The baseline conforming loan limit for one-unit Conventional and VA loans* is now:

• $819,000 (up from $806,500)

This means more buyers can access homes with a conforming loan instead of moving into jumbo territory — often resulting in more favorable terms, easier qualification, and lower down payment requirements.

Updated Conforming Loan Limits for 2–4 Unit Properties:

• Two-unit: $1,048,500 (up from $1,032,650)

• Three-unit: $1,268,000 (up from $1,248,150)

• Four-unit: $1,575,000 (up from $1,551,250)

These increases open doors for multi-family buyers and investors looking to qualify under conforming guidelines.

🏡 Why This Matters

• More Buying Power: You can purchase a higher-priced home while still taking advantage of conforming rates and guidelines.

• Easier Qualification: Conforming loans typically offer more streamlined underwriting compared to jumbo loans.

• Investor Advantage: Multi-unit properties now have higher limits, making it easier to expand your portfolio.

💡 Take Action in 2026

With higher loan limits, now is the time to:

• Explore new purchase opportunities

• Revisit your refinance strategy

• Consider multi-family investments

At Park Place Collective, we’re here to guide you through every option — from conventional and VA loans to jumbo and specialty portfolio products.

✨ Start qualifying more borrowers now — or see what opportunities these new limits unlock for you.

📞 Contact Joe Costa and the team at Park Place Collective today to get started.