Loan Limits for Conventional Mortgages

The Federal Housing Finance Agency (FHFA) publishes annual conforming loan limits that apply to all conventional mortgages delivered to Fannie Mae, including general loan limits and the high-cost area loan limits. High-cost area loan limits vary by geographic location.

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General Loan Limits for 2018
The general loan limits for 2018 have increased and apply to loans delivered to Fannie Mae in 2018 (even if originated prior to 1/1/2018). Refer to Lender Letter LL-2017-10 for specific requirements.

Maximum Loan Amount for 2018

UnitsContiguous States, District of Columbia, and Puerto RicoAlaska, Guam, Hawaii, and the U.S. Virgin Islands
1 $453,100 $679,650
2 $580,150 $870,225
3 $701,250 $1,051,875
4 $871,450 $1,307,175

Maximum Loan Amount for High-Cost Areas for 2018

UnitsContiguous States, District of Columbia+Alaska, Guam, Hawaii, and the U.S. Virgin Islands
1 $679,650 $1,019,475
2 $870,225 $1,305,325
3 $1,051,875 $1,577,800
4 $1,307,175 $1,960,750

+A number of other states and Puerto Rico do not have any high-cost areas in 2018.