FinanceRateCalc · rule calendar · updated 2026-10-18

When do US mortgage rule numbers stop being true?

Name: Pre-registered re-scan: how much public code still carries 2026 limits
Start: 2027-01-02

Loan limits, insurance premiums and lending thresholds carry dates. Code and content that hard-code them do not. This calendar lists every date on which a constant in our dated rule tables stops being valid, and when its replacement is expected.

Subscribe: rule-calendar.ics (Google Calendar, Apple Calendar, Outlook: add by URL; each expiry carries a 75-day reminder) · JSON · check a codebase automatically: FRC Rule Watch (GitHub Action).

Date	Event	Certainty	Rule
2026-11-24	Expected: FHFA announces 2027 conforming loan limits FHFA announced the 2026 values on 2025-11-25 and the 2025 values on 2024-11-26; the last Tuesday of November is the pattern, not a commitment. When the release appears, the 2027 rule file is drafted the same day and published after a human check.	expected (pattern of recent years)	fhfa-conforming-loan-limits-2026
2026-12-10	Expected: HUD Mortgagee Letter with 2027 FHA forward loan limits HUD published ML 2025-23 (the 2026 limits) on 2025-12-11, about two weeks after FHFA. Expected, not promised.	expected (pattern of recent years)	fha-forward-loan-limits-2026
2026-12-15	Expected: CFPB publishes 2027 HOEPA and QM thresholds The 2026 thresholds were published 2025-12-15 (90 FR). Expected, not promised.	expected (pattern of recent years)	cfpb-hoepa-qm-thresholds-2026
2026-12-31	Last valid day: Conforming loan limit values for mortgages acquired by Fannie Mae and Freddie Mac in 2026 Values in this table stop being valid after this date. Code and content that still carry them on the next day are stale. Rule Watch warns 75 days before.	fixed by the rule	fhfa-conforming-loan-limits-2026
2026-12-31	Last valid day: FHA forward mortgage loan limits for case numbers assigned on or after 2026-01-01 Values in this table stop being valid after this date. Code and content that still carry them on the next day are stale. Rule Watch warns 75 days before.	fixed by the rule	fha-forward-loan-limits-2026
2026-12-31	Last valid day: Regulation Z 2026 annual threshold adjustments: HOEPA and qualified-mortgage points-and-fees Values in this table stop being valid after this date. Code and content that still carry them on the next day are stale. Rule Watch warns 75 days before.	fixed by the rule	cfpb-hoepa-qm-thresholds-2026
2027-01-01	2027 values take effect: FHA limits, conforming limits, HOEPA/QM thresholds Every 2026 limit becomes a historical value. Anything that says 'the 2027 limit is $832,750' is wrong from this day. The public re-scan of stale constants runs on 2027-01-02 and is published as eval/stale-constants-scan-2027-01-02.json.	fixed by the rule	fhfa-conforming-loan-limits-2026
2027-01-02	Pre-registered re-scan: how much public code still carries 2026 limits Pre-registered 2026-10-18. The same stale-constant scan that found 29 repositories with 2025 values in October 2026 runs on this date against the 2026 values, and its result is published unedited. Prediction: at least 20 public repositories will carry a 2026 limit as current on 2027-01-02.	pre-registered	fhfa-conforming-loan-limits-2026
open	No scheduled end: FHA annual mortgage insurance premium (MIP) rates, forward mortgages In force since 2023-03-20 with no end date; changes only when the issuer publishes a new letter or the statute changes.	open	hud-ml-2023-05-annual-mip
open	No scheduled end: VA home loan funding fee percentages In force since 2023-04-07 with no end date; changes only when the issuer publishes a new letter or the statute changes.	open	va-funding-fee-2023-04-07

The race

From mid-November, the 2027 limit race asks each AI engine every day what the 2027 limits are and grades the answers against these rule files, so the days between publication and each engine's first correct answer are on record.

Pre-registered prediction

Prediction (2026-10-18): on 2027-01-02 at least 20 public GitHub repositories will present a 2026 conforming or FHA limit as the current value. Hash: dd1e8f11b09b4355…. Graded on 2027-01-02 by the same scan that, on 2026-10-18, found 29 public repositories presenting 2025 limits as current. The result is published unedited whether the prediction holds or not.

Expected announcement dates are the pattern of recent years, not commitments by any agency. Rule tables are transcribed by FinanceRateCalc from the public sources named in each file; not legal or underwriting advice; corrections at corrections.html. CC BY 4.0.