Loan programs
2026 loan limits: FHA and conventional financing
The annual limits changed. Your property location and number of units determine which figure applies.
Program reference: calendar year 2026
The FHA update
HUD set the 2026 FHA forward-mortgage floor for a one-unit property at $541,287. The high-cost ceiling is $1,249,125. These are national reference points. Florida counties have their own applicable limits within the schedule.
The new limits apply to FHA case numbers assigned on or after January 1, 2026. Check the county and property size before using any national figure to plan a purchase.
Sources: HUD: 2026 FHA loan limits
The conforming-loan update
FHFA raised the 2026 baseline conforming loan limit for a one-unit property to $832,750, from $806,500 in 2025. This is the baseline for mortgages acquired by Fannie Mae and Freddie Mac. Different limits apply in designated high-cost areas and to properties with more units.
Sources: FHFA: 2026 conforming loan limits
A limit is one part of the decision
A program ceiling does not establish the amount you qualify to borrow or the price you should pay. Your income, debts, available funds, property, and lender review still matter.
Bring the property address, expected purchase price, and number of units to your conversation with Bravo. Ask us to compare the eligible FHA and conventional paths using the same property.
Sources reviewed on September 7, 2026