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.
The line for conforming loans
A conforming loan limit is the largest loan Fannie Mae and Freddie Mac will buy. Stay under it and you have a conforming conventional loan. Go over it and you need a jumbo loan.
The limit resets each year based on home prices. For 2026 the baseline for a single-family home sits above $800,000 in most areas.
Why it matters
Conforming loans usually carry lower rates and easier terms than jumbo loans. Staying just under the limit can save you money and simplify your approval.
High-cost counties get a higher limit. Apply now and we will tell you the exact conforming limit where you plan to buy.