Conventional Loan Limits 2025

What Are Conventional Loan Limits?

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2025 Baseline Loan Limits

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High-Cost Area Limits

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Why These Limits Matter

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Next Steps for Borrowers

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Conventional Loan Limits 2025

Conventional Loan Limits 2025

What Are Conventional Loan Limits?

What Are Conventional Loan Limits?

Conventional loan limits set how much you can borrow with a conforming loan. Loans above the limit are jumbo loans with stricter rules. The 2025 limits increased to match higher home prices.

Conventional loan limits set how much you can borrow with a conforming loan. Loans above the limit are jumbo loans with stricter rules. The 2025 limits increased to match higher home prices.

2025 Baseline Loan Limits

2025 Baseline Loan Limits

One-unit homes: $806,500

One-unit homes: $806,500

Two-unit homes: $1,032,650

Two-unit homes: $1,032,650

Three-unit homes: $1,248,150

Three-unit homes: $1,248,150

Four-unit homes: $1,551,250

Four-unit homes: $1,551,250

High-Cost Area Limits

High-Cost Area Limits

One-unit: up to $1,209,750

One-unit: up to $1,209,750

Four-unit: up to $2,326,875

Four-unit: up to $2,326,875

Three-unit: up to $1,872,225

Three-unit: up to $1,872,225

Two-unit: up to $1,548,975

Two-unit: up to $1,548,975

Why These Limits Matter

Why These Limits Matter

Decide if your loan is conforming or jumbo

Decide if your loan is conforming or jumbo

Always check your county’s limit before applying

Always check your county’s limit before applying

Helps with easier loan approval

Helps with easier loan approval

Staying within limits gives lower interest rates

Staying within limits gives lower interest rates

Next Steps for Borrowers

Next Steps for Borrowers

Check your county’s loan limit before you apply. Compare loan options and plan your down payment early. Get expert guidance from Alt Financial for 2025 loan programs.

Check your county’s loan limit before you apply. Compare loan options and plan your down payment early. Get expert guidance from Alt Financial for 2025 loan programs.