Conforming Loan
A conforming loan is a conventional mortgage that meets Fannie Mae and Freddie Mac guidelines, including the annual loan limit.
What Conforming Loan means
Conforming loans follow standardized underwriting and can be sold to the two agencies, which keeps rates competitive. Loans above the limit are jumbo loans with stricter requirements.
Florida example
For 2025 the conforming limit is $806,500 in most Florida counties. A $750,000 loan in Orlando is conforming and enjoys agency pricing. Meanwhile, an $850,000 loan crosses into jumbo territory and needs larger reserves.
Loans within the limit
A conforming loan meets the guidelines set by Fannie Mae and Freddie Mac, including the loan limit. Staying under that limit keeps your loan conforming, which usually means lower rates and easier terms.
For 2026 the baseline limit tops $800,000 for a single-family home in most Florida counties.
Why it matters
Conforming loans are the most common and often the cheapest financing available. Going above the limit means a jumbo loan with stricter rules.
Staying just under the limit can save money. Reach out and we will tell you the exact conforming limit where you plan to buy.
Related program: Learn more →
Verify the details for your own situation against these government and agency sources: FHFA conforming loan limits and CFPB Owning a Home guide.