Both the Federal Housing Finance Agency (FHFA) and the Federal Housing Administration (FHA) will have increased maximum loan limits for 2026.
2026 FHFA Loan Limits
On the conforming side (FHFA), in 2020 the loan limit for one-unit properties was $510,400. The conforming loan limit was increased to $548,250 in 2021, $647,200 in 2022, $726,200 in 2023, $766,550 in 2024, and further increased to $806,500 in 2025.
In 2026, the one-unit conforming loan limit has been increased to $832,750. This increase will take place throughout most of the United States.
2026 FHA Loan Limits
As of January 1, 2026, the FHA will increase its floor for one-unit properties to $541,287—up significantly from its limit of $524,225 in 2025.
For other types of properties, the 2026 FHA loan limits are as follows:
- Two-unit: $693,050 (up from $671,200 in 2025)
- Three-unit: $837,700 (up from $811,275 in 2025)
- Four-unit: $1,041,125 (up from $1,008,300 in 2025)
Keep in mind, however, that this increase is county-specific with FHA. The limits mentioned above are for low-cost areas. The limits for high-cost areas of the country will increase in 2026 as well, to the following limits:
- One-unit: $1,249,125 (up from $1,209,750 in 2025)
- Two-unit: $1,599,375 (up from $1,548,975 in 2025)
- Three-unit: $1,933,200 (up from $1,872,225 in 2025)
- Four-unit: $2,402,625 (up from $2,326,875in 2025)
Below are some of the county changes for Single Family Residential Units. Please note, the figures below are the maximum loan values for each county. This is not the maximum sales price. For example, if the sales price is over $541,287 (for 2026), you may still qualify as long as your loan amount stays below that limit. In other words, the sales price and loan limit are not the same. Additionally, the upfront mortgage insurance that is rolled into an FHA loan does not count toward the maximum loan limit.
Albany, Schenectady, Troy
FHA 2026 Limit: $541,287
FHA 2025 Limit: $524,225
FHA 2024 Limit: $498,257
FHA 2023 Limit: $472,030
FHA 2022 Limit: $420,680
FHA 2021 Limit: $356,362
FHA 2020 Limit: $331,760
Saratoga County
FHA 2026 Limit: $541,287
FHA 2025 Limit: $524,225
FHA 2024 Limit: $498,257
FHA 2023 Limit: $472,030
FHA 2022 Limit: $420,680
FHA 2021 Limit: $356,362
FHA 2020 Limit: $331,760
Fulton/Montgomery County
FHA 2026 Limit: $541,287
FHA 2025 Limit: $524,225
FHA 2024 Limit: $498,257
FHA 2023 Limit: $472,030
FHA 2022 Limit: $420,680
FHA 2021 Limit: $356,362
FHA 2020 Limit: $331,760
Warren/Washington County
FHA 2026 Limit: $541,287
FHA 2025 Limit: $524,225
FHA 2024 Limit: $498,257
FHA 2023 Limit: $472,030
FHA 2022 Limit: $420,680
FHA 2021 Limit: $356,362
FHA 2020 Limit: $331,760
Rockland County
FHA 2026 Limit: $1,249,125
FHA 2025 Limit: $1,209,750
FHA 2024 Limit: $1,149,825
FHA 2023 Limit: $1,089,300
FHA 2022 Limit: $970,800
FHA 2021 Limit: $822,375
FHA 2020 Limit: $765,600
Hoping to Buy a Home in 2026? Find Out What These Changes Mean For You
The FHFA and FHA loan limits represent the maximum loan amount you can obtain via the Federal Housing Finance Agency (FHFA) and the Federal Housing Administration (FHA). As these limits change, the amount you may be able to borrow if you choose one of these loan types changes as well.
Curious about how these FHFA & FHA loan limits could impact you, or which mortgage options might be right for you? Reach out to us at 518-782-1202 or via our online contact form to get the conversation started. We’d be happy to help you find the home loan that suits you best.
Interested in learning more about FHA mortgage options in New York? You can find more details about FHA loans here.
Note: This content has been updated as of January 5, 2026.
