County Loan Limit Lookup
Look up 2025 conforming loan limits by state and county. Compare conventional, FHA, and VA reference limits for 1-4 unit properties.
Lookup Your County
Select a State and County
Choose your state and county to see 2025 conforming loan limits for your area.
VA Loan Note
Veterans with full entitlement have no loan limit. These conforming limits only apply to veterans with partial (remaining) entitlement, per the Blue Water Navy Vietnam Veterans Act of 2019.
2025 National Baseline Limits
1-Unit
$766,550
2-Unit
$981,500
3-Unit
$1,186,350
4-Unit
$1,474,400
Source: Federal Housing Finance Agency (FHFA), 2025 conforming loan limits.
Frequently Asked Questions
What are conforming loan limits?
Conforming loan limits are the maximum amounts that Fannie Mae and Freddie Mac will purchase or guarantee. For 2025, the baseline limit for a single-unit property is $766,550. High-cost areas have limits up to $1,149,825 (150% of the baseline).
Do VA loan limits apply to me?
If you have full VA loan entitlement (you have never used your benefit, or you have fully restored it), county loan limits do not restrict how much you can borrow with no down payment. Limits only affect veterans with partial entitlement who have guaranty tied to an existing VA loan.
What are the 2025 baseline limits for multi-unit properties?
The 2025 baselines are: 1-unit $766,550, 2-unit $981,500, 3-unit $1,186,350, and 4-unit $1,474,400. High-cost areas have proportionally higher limits.
How are high-cost area limits determined?
The Federal Housing Finance Agency (FHFA) sets county limits based on local median home values. Any county where the median price exceeds the baseline gets a higher limit, capped at 150% of the baseline ($1,149,825 for a single unit in 2025).
What is the difference between FHA and conventional limits?
FHA loan limits are typically set as a percentage of the conforming limit, with a floor and ceiling. In most standard-cost areas, the FHA limit equals the conforming limit floor. Conventional conforming limits are set by the FHFA and apply to loans purchased by Fannie Mae or Freddie Mac.
When do loan limits change?
The FHFA announces new conforming loan limits each year, typically in late November. The new limits take effect January 1 of the following year. Limits are based on changes in the FHFA House Price Index.
This tool is for educational purposes only. Vet Uplift is not a lender and does not offer mortgage products. Loan limits are sourced from the Federal Housing Finance Agency (FHFA). Always verify current limits with your lender.