Datasets:

referencesource
/

conforming-loan-limits

pretty_name: '2026 conforming loan limits by county: one- to four-unit properties'
license: other
license_name: source-terms-cited
license_link: https://referencesource.org/conforming-loan-limits/
language:
  - en
tags:
  - reference-data
  - provenance
  - referencesource-org
configs:
  - config_name: default
    data_files:
      - split: train
        path: data/records.jsonl

2026 conforming loan limits by county: one- to four-unit properties

Canonical, always-current version: https://referencesource.org/conforming-loan-limits/ Machine-readable: https://referencesource.org/conforming-loan-limits/data.json — this mirror is a point-in-time copy.

Last verified: 2026-10-25
Stale after: 2027-08-07 (past this date, prefer the canonical copy — it re-verifies on a cadence this snapshot does not)
Records: 3235

The 2026 FHFA conforming loan limit AND the 2026 FHA (HUD) forward-mortgage loan limit for every US county, for properties of one to four units. The FHFA figures were published by the Federal Housing Finance Agency on 25 November 2025 and are effective 1 January 2026; the FHA figures are read from HUD's own CY2026 FHA Forward Limits county file, a separate programme HUD sets independently of FHFA. Each record is one county with its FIPS state and county codes, the state abbreviation, and up to eight limit fields — FHFA one- through four-unit, and FHA one- through four-unit — each read from its own agency's county file. No page anywhere publishes both programmes' limits side by side; this is an assembly of two authoritative sources onto one county record, not a mirror of either. The FHFA baseline for most counties is $832,750 for a one-unit property; high-cost areas reach up to $1,249,125, and up to $1,299,500 in Hawaii. The FHA national floor for 2026 is $541,287 and its ceiling is $1,249,125 (the same ceiling as FHFA's high-cost areas). FHA and FHFA limits diverge in many counties because FHA's floor is set at 65% of the FHFA baseline. Answers 'what is the 2026 conforming loan limit in [county]?', 'what is the 2026 FHA loan limit in [county]?', 'which counties exceed the baseline conforming limit?', 'what is the conforming limit for a two-unit property in [county]?', and 'is the 2026 conforming loan limit $832,750?' — the lookup shape where six of seven page-one results are mortgage lead-generation sites and the authoritative FHFA/HUD sources themselves do not rank. The data moat is the county-level detail, the two-programme juxtaposition, and annual versioning: every model trained before November 2025 answers with the 2025 numbers. VA and USDA loan limits are not in scope for this asset.

Provenance — what every record carries

Every record carries source (the URL the value was read from) and source_quote (a verbatim quote from that page stating it). A value you cannot check against its page is indistinguishable from an invented one; these can all be checked. Each record is also individually addressable on the canonical site at its url.

Licence position

US federal government work. FHFA is a federal agency; its conforming loan limit data is a public domain fact. FHFA requests attribution: 'This product uses FHFA data but is neither endorsed nor certified by FHFA.' Facts and short verbatim quotes linking back to the source page are within that use.

Facts are not copyrightable; what this dataset takes from each source is a fact plus a short attributed quote linking back to the page that states it.

Sources

Fields

See any record in data/records.jsonl — field names are self-describing, and the canonical page for each record renders them with labels: https://referencesource.org/conforming-loan-limits/