2026 conforming limits: $766,550 baseline and up to $1,149,825 in high-cost counties. Above this means jumbo financing.
2026 Conforming Loan Limits | The 2 Mortgage Guys
2026 conforming limits: $766,550 baseline and up to $1,149,825 in high-cost counties. Above this means jumbo financing.
What Are the Current Conforming Loan Limits?
2026 Conforming Loan Limits
2026 Limits at a Glance
Above This → Jumbo
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The 2026 baseline is $766,550 in most counties — finance above that and you are in jumbo territory. Here is what Indiana buyers need to know.
Each year the FHFA sets maximum loan amounts that Fannie Mae and Freddie Mac can purchase. Loans at or below these caps are conforming — eligible for agency pricing and guidelines. Anything above is non-conforming, commonly called jumbo.
For 2026, the baseline one-unit limit is $766,550. High-cost counties — primarily coastal and select metro markets — can reach $1,149,825. Multi-unit properties have higher caps at every tier.
The takeaway is simple: know your county limit, know your loan amount, and plan accordingly.
Most Indiana counties use the baseline limit — which means jumbo kicks in above $766,550 on a single-family home.
In markets like Hamilton County, Boone County, and lake communities around Kosciusko and Steuben counties, purchase prices above $850K–$950K are common. With 10–15% down, many of those deals land in jumbo territory even though Indiana is not a high-cost designation.
Ryan and Steve confirm the exact county limit on every file and compare conforming vs. jumbo pricing side by side — so you know your true cost before making an offer.
Related jumbo guides from Ryan & Steve.
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