On November 25, the FHFA announced that the baseline conforming loan limits for mortgages acquired by Fannie Mae and Freddie Mac in 2026 will rise to $832,750, up from $806,500 in 2025. In high-cost areas, the ceiling loan limit for one-unit properties will be $1,249,125. For Alaska, Hawaii, Guam, and the U.S. Virgin Islands, the baseline and ceiling loan limits will be $1,249,125 and $1,873,675, respectively. According to the FHFA, due to rising home values, conforming loan limits will be higher in all but 32 U.S. counties or county equivalents. The agency also released the full list of 2026 conforming loan limits by county.