Conventional Loans
What is a conforming loan limit?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
The conforming loan limit is the maximum loan Fannie Mae and Freddie Mac will buy. For 2025 it's $806,500 for a single-family home in most Florida counties. Loans above it are jumbo.
Staying at or under the limit usually means easier guidelines and competitive rates. If your price pushes past it, we'll compare a jumbo loan or a piggyback structure to keep the first loan conforming.
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