2026 FHFA — Updated
Conforming Loan Limits
Find the 2026 FHFA conforming loan limits for any county in the United States. Know your zone before you shop — conforming, high-balance, or jumbo.
National Baseline
$832,750
1-unit · most U.S. counties
High-Cost Ceiling
$1,249,125
1-unit · AK, HI, DC + more
Effective Date
Jan 1, 2026
FHFA HERA-Based Final
Alameda
California · 2026 FHFA Limits
1-Unit (Single Family)
$1,249,125
2-Unit (Duplex)
$1,599,375
3-Unit (Triplex)
$1,933,200
4-Unit (Fourplex)
$2,402,625
This county qualifies for high-balance (super-conforming) financing. Loans up to $1,249,125 (1-unit) get agency backing with a modest rate premium vs. standard conforming.
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