New 2026 Conforming Loan Limits: NoCo Buyers, Here’s What You Need to Know

The Federal Housing Finance Agency (FHFA) has announced the 2026 conforming loan limits, impacting mortgages purchased by Fannie Mae and Freddie Mac. For most of the U.S., the baseline for one-unit properties will increase to $832,750, a $26,250 rise from 2025.

High-cost areas will see ceilings of $1,249,125, and special areas including Alaska, Hawaii, Guam, and the U.S. Virgin Islands have limits up to $1,873,675. These adjustments are based on a 3.26% increase in average U.S. home prices over the last year.

Whether you’re planning to buy a home in Northern Colorado or refinance an existing loan, these new CLLs can affect your borrowing potential. Check out the full county breakdown and map to see specific numbers for your area.
American Liberty Mortgage NoCo is ready to help you leverage these updated limits for your next home purchase.