{
 "rule_id": "frc:rule:fhfa-conforming-loan-limits-2026",
 "title": "Conforming loan limit values for mortgages acquired by Fannie Mae and Freddie Mac in 2026",
 "issuer_of_rule": "Federal Housing Finance Agency, news release 2025-11-25",
 "effective_from": "2026-01-01",
 "effective_to": "2026-12-31",
 "supersedes": "2025 values (baseline one-unit $806,500; ceiling $1,209,750)",
 "cells": [
  {
   "area": "baseline (most of the US)",
   "units": 1,
   "limit_usd": 832750
  },
  {
   "area": "high-cost ceiling",
   "units": 1,
   "limit_usd": 1249125
  },
  {
   "area": "Alaska, Hawaii, Guam, US Virgin Islands baseline",
   "units": 1,
   "limit_usd": 1249125
  },
  {
   "area": "Alaska, Hawaii, Guam, US Virgin Islands ceiling",
   "units": 1,
   "limit_usd": 1873675
  }
 ],
 "contract": {
  "required_qualifiers": [
   "acquisition year 2026",
   "number of units",
   "county (high-cost areas have county-specific values between baseline and ceiling)"
  ],
  "does_not_establish": [
   "the limit in a specific high-cost county (FHFA publishes a county table)",
   "FHA or VA limits",
   "limits for 2025 or 2027"
  ]
 },
 "machine_readable_by": "FinanceRateCalc, from the public source named; not an official file of the issuer; CC BY 4.0; corrections: https://financeratecalc.com/corrections.html",
 "verify": "https://financeratecalc.com/verify.html",
 "sha256": "6db2205ec88f18dff19b77870c3dc503040864a9aeb3207ba85b54ccc1ab2176"
}