- The conforming loan limits for 2024 have been increased.
- This increase was made in response to home-price gains nationwide.
- We’ve updated our conforming loan limits page to reflect these changes.
LoanLimits.org is a central repository for loan limit-related data and resources. This website offers 2024 loan limits by county, in all primary mortgage categories.
We also publish local real estate data, such as home prices and housing market conditions, as a service to our readers. Use the applicable link below to find the information you need.
Loan Limits Snapshot: Click to Enlarge
The map below helps you visualize the current conforming loan limits in the U.S. It also shows the pricier real estate markets that have higher-than-average loan limits, including coastal California and the metropolitan areas of Seattle, Denver, and Washington, D.C.
New: Conforming Loan Limits Were Increased for 2024
In November 2023, officials from the Federal Housing Finance Agency (FHFA) announced they would be increasing conforming loan limits in 2024 for nearly all counties across the U.S.
They made this adjustment to keep pace with rising home values nationwide. We have since updated our website to bring you the latest and most accurate information.
How Do These Limits Affect Home Buyers, Borrowers?
Loan limits vary by county, and they are updated every year to keep up with home-price increases. Sometimes they are simply carried over from one year to the next, without any changes. Other times, county loan limits are increased in response to rapidly rising home prices.
If you are in the market for a mortgage loan, you should research the limits for the county in which you reside (or where you plan to buy a home). You’ll find all counties of the U.S. listed within the FHA and conforming pages on our website.
It’s possible to secure mortgage financing above the 2024 loan limits. This is referred to as a jumbo mortgage loan. Jumbo mortgage products exceed the size restrictions set by the Federal Housing Finance Agency, and therefore cannot be sold to Fannie Mae or Freddie Mac.
Lenders typically require larger down payments and higher income levels for borrowers seeking a jumbo loan, and often assign higher interest rates as well. Many borrowers are better off staying within the conforming loan size to avoid these stricter criteria.
If you would like to learn more about 2024 loan limits by county, and how they are established, visit the overview page for the particular category you’re interested in (FHA or conforming). You can also find more information about the various loan limits on FHFA.gov and HUD.gov.
Disclaimers: This is not a government website. The information on this website was compiled from various official sources. We have made every effort to ensure the accuracy of the 2024 county loan limits published on this site. But there is always a chance for errors or inaccuracies. For the most accurate information available, please refer to the appropriate government agency or department mentioned above. If you find an error on this website, please send an email to info@loanlimits.org.