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Here’s a ready-to-publish blog post you can use for Bruce Singer, Senior Loan Officer (NMLS# 197960) at Vision Home Mortgage (NMLS# 357565) — covering the 2026 loan limit updates for Conventional (Conforming), FHA, and VA loans. Bruce is licensed in Nevada and Indiana and can help you navigate these changes.
📱 Cell: 702-217-5525

📈 2026 Loan Limit Update: What Homebuyers & Refinancers Need to Know

The start of 2026 brings important updates to mortgage loan limits across the U.S., affecting Conventional (conforming), FHA, and VA loans. These changes reflect the continuing trend of rising home values nationwide and are designed to ensure buyers have access to competitive financing options in today’s market.

🏡 Conventional (Conforming) Loan Limits Go Up in 2026

Every year the Federal Housing Finance Agency (FHFA) adjusts the conforming loan limits — the maximum mortgage amount that Fannie Mae and Freddie Mac will purchase. These changes influence conventional loan programs with lower down payment requirements and typically more favorable rates than jumbo loans.

For 2026:

  • The baseline conforming loan limit for a 1-unit property in most U.S. counties is now $832,750, up from $806,500 in 2025 — an increase of about 3.26%. (FHFA.gov)
  • In high-cost areas, the maximum limit rises to $1,249,125. (FHFA.gov)
  • Multi-unit conforming limits also increased:

These increases help many buyers stay within conventional financing — avoiding “jumbo” loan pricing — and can mean more buying power or better refinance opportunities for existing homeowners. (FHFA.gov)

🧾 FHA Loan Limits Also Rise for 2026

The Federal Housing Administration (FHA) annually sets loan limits that it will insure. These limits are based on conforming limits and local home price data. FHA loans remain a popular choice for buyers with lower down payments or moderate credit scores.

For 2026:

  • FHA limits vary by county, with a floor (low-cost areas) and ceiling (high-cost areas). (FHA)
  • The floor for a single-family (1-unit) home is about $541,287 — available in lower-cost counties. (FHA)
  • The ceiling (highest limit in high-cost counties) is $1,249,125 for a single-family home. (FHA)
  • Limits increase with the number of units, up to over $2.4 million for a 4-unit property in high-cost areas. (FHA)

Because FHA loan limits change by county and property type, it’s crucial to look up your specific area’s limits — and Bruce can help you do just that. (HUD.gov)

🇺🇸 2026 VA Loan Limits: What Veterans Should Know

VA loans are among the most powerful home loan options for eligible veterans, service members, and surviving spouses. VA loan limits don’t cap how much you can borrow — especially if you have full entitlement — unlike Conventional or FHA limits. (vanationwide.com)

However:

  • VA loan limits are tied to conforming loan limits for borrowers with partial entitlement (for example, if you still have an outstanding VA loan or haven’t restored entitlement). In those cases, the county conforming limits — now generally $832,750 (standard) and up to $1,249,125 (high-cost) — still matter. (vanationwide.com)
  • For eligible veterans with full entitlement, there is no VA-imposed cap — you can borrow as much as your income, credit profile, and the lender will allow, often with 0% down. (Veterans Affairs)

This makes VA loans particularly powerful financing tools, and Bruce can walk you through how your entitlement status affects your buying power. (vanationwide.com)

🔑 What This Means for You

✅ More Buying Power: Higher loan limits mean buyers can finance more expensive homes with conventional or FHA products without shifting into higher-cost jumbo loans.
✅ Lender Flexibility: Loan officers like Bruce Singer can help tailor options — Conventional, FHA, or VA — that match your financial goals.
✅ Veteran Advantage: If you’re eligible for a VA loan with full entitlement, you may have virtually no limit on your home purchase price, subject to approval.

🗣️ Need Personalized Guidance?

Whether you’re a first-time homebuyer, looking to refinance, or a Veteran ready to use your VA benefit, loan limits are just one piece of the mortgage puzzle.

📞 Bruce Singer
Senior Loan Officer (NMLS# 197960)
Vision Home Mortgage (NMLS# 357565)
Licensed in Nevada & Indiana
📱 Cell: 702-217-5525

Bruce can help you understand how these 2026 loan limits impact your situation — and find the right financing solution for your next home move.

Would you like a county-specific loan limit lookup or a calculator to estimate your max loan amount under these new limits? I can help with that too!

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