Loan Limits Lookup
Look up 2025 county-specific conforming, FHA, and VA loan limits for 1–4 unit properties.
Location
Property Units
All Unit Limits
2025 Baseline Reference
About Loan Limits Lookup
The Loan Limits Lookup tool provides instant access to 2025 conforming, FHA, and VA loan limits for every county in the United States. Loan limits are set annually by the Federal Housing Finance Agency (FHFA) and determine the maximum mortgage amount eligible for purchase by Fannie Mae and Freddie Mac. Counties designated as high-cost areas receive elevated limits — up to 150% of the baseline — reflecting local median home values. This tool displays limits for 1- to 4-unit properties, including the FHA floor and ceiling calculations and VA county reference limits. Whether you are a loan officer pricing a scenario, a processor verifying guideline compliance, or a borrower exploring financing options, this lookup eliminates the need to search multiple government databases. All data is sourced from official FHFA and HUD publications and updated each January when new limits take effect.
Frequently Asked Questions
What are conforming loan limits?
Conforming loan limits are the maximum loan amounts that Fannie Mae and Freddie Mac will purchase or guarantee. These limits are established annually by the Federal Housing Finance Agency (FHFA) based on changes in average U.S. home prices. For 2025, the baseline conforming limit for a single-family property is $766,550 in most counties. Loans exceeding these limits are classified as jumbo or non-conforming loans, which typically require larger down payments, higher credit scores, and carry different interest rates. Multi-unit properties (2–4 units) have proportionally higher limits.
What is a high-cost area?
A high-cost area is a county or metropolitan statistical area where median home prices substantially exceed the national baseline. The FHFA designates these areas and allows conforming loan limits up to 150% of the standard baseline. For 2025, the high-cost ceiling for a one-unit property is $1,149,825. Major metropolitan areas such as San Francisco, Los Angeles, New York City, and Washington D.C. commonly qualify. FHA limits in these areas also increase, calculated as 115% of the area median home price with the same ceiling cap, giving borrowers access to larger government-backed loans without jumbo financing.
How often do loan limits change?
Conforming loan limits are reviewed and updated once per year by the FHFA. The announcement typically occurs in late November, with new limits taking effect on January 1 of the following year. Adjustments are calculated using the FHFA House Price Index (HPI), which measures quarterly changes in home values. When home prices rise nationally, the baseline limit increases accordingly. Due to a statutory floor provision enacted in the Housing and Economic Recovery Act of 2008, limits cannot decrease even if home prices decline. FHA and VA reference limits follow the same annual cycle.
Important Disclosures: Studio 1003 is a technology platform, not a lender, broker, or financial advisor. This tool is provided for informational and educational purposes only and does not constitute a commitment to lend, pre-approval, or loan offer. FHA and VA rates shown are estimated based on current market data and may differ from actual lender rates. Property taxes, insurance, and closing cost estimates are approximations based on state and county averages and may vary. Final loan eligibility, terms, and costs are subject to underwriting approval and official disclosures. APR and closing cost figures will be finalized on your official Loan Estimate and Closing Disclosure. Always consult with a licensed mortgage professional before making financial decisions.