Conforming Loan Limits by State
Conforming loan limits are set annually by the Federal Housing Finance Agency (FHFA) and determine the maximum loan size eligible for purchase by Fannie Mae and Freddie Mac. The 2025 baseline conforming limit is $806,500 for a single-family home. High-cost counties may have limits up to $1,209,750. Loans exceeding these limits are considered jumbo loans and typically carry higher rates.
Alabama
AL
Baseline: $766,550
Alaska
AK
Baseline: $1,149,825
Arizona
AZ
Baseline: $766,550
Arkansas
AR
Baseline: $766,550
California
CA
Baseline: $1,149,825
Colorado
CO
Baseline: $766,550
Connecticut
CT
Baseline: $766,550
Delaware
DE
Baseline: $766,550
District of Columbia
DC
Baseline: $1,149,825
Florida
FL
Baseline: $766,550
Georgia
GA
Baseline: $766,550
Hawaii
HI
Baseline: $1,149,825
Idaho
ID
Baseline: $766,550
Illinois
IL
Baseline: $766,550
Indiana
IN
Baseline: $766,550
Iowa
IA
Baseline: $766,550
Kansas
KS
Baseline: $766,550
Kentucky
KY
Baseline: $766,550
Louisiana
LA
Baseline: $766,550
Maine
ME
Baseline: $766,550
Maryland
MD
Baseline: $766,550
Massachusetts
MA
Baseline: $766,550
Michigan
MI
Baseline: $766,550
Minnesota
MN
Baseline: $766,550
Mississippi
MS
Baseline: $766,550
Missouri
MO
Baseline: $766,550
Montana
MT
Baseline: $766,550
Nebraska
NE
Baseline: $766,550
Nevada
NV
Baseline: $766,550
New Hampshire
NH
Baseline: $766,550
New Jersey
NJ
Baseline: $766,550
New Mexico
NM
Baseline: $766,550
New York
NY
Baseline: $766,550
North Carolina
NC
Baseline: $766,550
North Dakota
ND
Baseline: $766,550
Ohio
OH
Baseline: $766,550
Oklahoma
OK
Baseline: $766,550
Oregon
OR
Baseline: $766,550
Pennsylvania
PA
Baseline: $766,550
Rhode Island
RI
Baseline: $766,550
South Carolina
SC
Baseline: $766,550
South Dakota
SD
Baseline: $766,550
Tennessee
TN
Baseline: $766,550
Texas
TX
Baseline: $766,550
Utah
UT
Baseline: $766,550
Vermont
VT
Baseline: $766,550
Virginia
VA
Baseline: $766,550
Washington
WA
Baseline: $766,550
West Virginia
WV
Baseline: $766,550
Wisconsin
WI
Baseline: $766,550
Wyoming
WY
Baseline: $766,550