10/14/2026
The home that seemed slightly outside your purchase price range may not be out of budget anymore. Here's why: Conforming loan limits are climbing.
The single-unit figure is projected to hit $845,000, a bump from the current $832,750—and NAF is already writing loans at the new number, before the Federal Housing Finance Agency (FHFA) makes it official in November.
That line is the dividing wall between Conventional and Jumbo financing. Jumbo means tighter qualifying rules, heavier documentation, and frequently a heftier down payment. Conventional means a smoother, more straightforward process.
If a deal stalled just above the old limit, let's revisit it. Message me and we'll run the numbers.