Mortgage Glossary
Conforming Loan Limit
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
The conforming loan limit is the maximum loan amount Fannie Mae and Freddie Mac will buy, set annually and varying by county.
What Conforming Loan Limit means
Loans at or below the limit get agency pricing; above it, they're jumbo. High-cost areas have higher limits than the baseline.
Florida example
For 2025 the baseline conforming limit is $806,500, applying to most Florida counties. A loan just under it enjoys conventional pricing, while crossing it triggers jumbo underwriting.
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