Conforming Loan Limit
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.
What it is
The conforming loan limit is the largest loan Fannie Mae and Freddie Mac will buy. It is set each year and rises with home prices.
Loans above it are called jumbo loans.
Why it matters
Staying at or below the limit often means easier terms and lower rates. Above it, you enter jumbo territory.
We know the current limits for every Florida county. Reach out and we will find your best structure.
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Verify the details for your own situation against these government and agency sources: FHFA conforming loan limits and CFPB Owning a Home guide.