Conforming Loan Limit 2018

The Federal Housing Finance Agency (FHFA) announced the maximum conforming loan limits for mortgages to be acquired by Fannie Mae and Freddie Mac in 2018. In most of the U.S., the 2018 maximum conforming loan limit for one-unit properties will be $453,100, an increase from $424,100 in 2017.

For 2019, all Southern California counties get to enjoy a 6.9 percent conforming loan limit increase from $453,100 to $484,350. Conforming loan limits generally run at one-eighth to one-quarter point.

Fannie Mae and Freddie Mac Maximum Loan Limits for Mortgages Acquired in Calendar Year 2019 and Originated after 10/1/2011 or before 7/1/2007 (These limits were determined under the provisions of the Housing and Economic Recovery Act of 2008) November 2018

Limits for multiple-unit properties are fixed multiples of the 1-unit limits. The full set of county-level median price estimates for the year just prior to the loan-limits year are available in the downloadable mortgage limits dataset accessible via the link found at the bottom of this page.

The conforming loan limit is increasing again in 2018, thanks to the rising cost of purchasing a home. It’s also due to people’s penchant for "buying bigger". According to the National Association of Realtors , homes costing less the $250,000 have increased a bare .06%.

Loans that are backed by Fannie Mae and Freddie Mac up to the maximum loan limits can be financed with as little as 5% equity and up to the conforming loan limits with as little as 3% equity. This means 5% down or 3% down when purchasing a home under a Fannie Mae freddie mac conventional mortgage without income limits.

The high-cost area limits published in Lender Letter-2018-05 are the statutory limits provided by FHFA, but should not be used to determine the loan amount. lenders must find the applicable loan limit for counties/MSAs in the Loan Limit Look-up Table or on FHFA’s web page .

The 2019 conforming loan limits for Fannie Mae and Freddie Mac will increase from 2018 limits. A list of the limits for all counties is provided in the Loan Limit.

The general loan limits for 2017 increased and apply to loans delivered to Fannie Mae in 2017 (even if originated prior to 1/1/2017). This was the first time the base loan limits had increased since 2006. 2018 and 2019 saw a further increase. Conforming Loan Limits. Per Fannie Mae:

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In most of the United States, the maximum conforming loan limit for one-unit properties in 2019 will be $484,350, an increase from the 2018.