2026 loan limits for Pennsylvania, Florida & Texas
A loan limit is the line between the loan most people want and a bigger, differently-priced one. Stay at or under it and you’re in conforming territory — the best conventional pricing and the widest set of programs. Go over and you’re into jumbo. Here are the 2026 numbers, straight from the FHFA and HUD, and specific to the counties I actually lend in — where a surprising amount of what’s published online is simply wrong.
The 2026 conforming limit is $832,750.
The baseline conforming limit rose to $832,750 for a one-unit home in 2026 — up 3.26% from 2025’s $806,500. In designated high-cost areas the ceiling reaches $1,249,125. Florida and Texas are entirely at the baseline, and so is almost all of Pennsylvania — with one notable exception, Pike County, covered below.
| Units | Baseline limit | High-cost ceiling |
|---|---|---|
| 1-unit | $832,750 | $1,249,125 |
| 2-unit | $1,066,250 | $1,599,375 |
| 3-unit | $1,288,800 | $1,933,200 |
| 4-unit | $1,601,750 | $2,402,625 |
A loan amount at or under the baseline puts you in conventional territory. Above it, you’re looking at a jumbo loan — different documentation, reserves, and pricing, and something I handle every day.
FHA starts at a $541,287 floor — and it’s set by metro.
FHA sets its floor at 65% of the conforming baseline — $541,287 for a one-unit home in 2026 — and its ceiling at the same $1,249,125. The important wrinkle: FHA limits are set per metro area, which is why two counties an hour apart can carry different numbers. The HECM (reverse mortgage) maximum claim amount for 2026 is also $1,249,125.
| Units | FHA floor | FHA ceiling |
|---|---|---|
| 1-unit | $541,287 | $1,249,125 |
| 2-unit | $693,050 | $1,599,375 |
| 3-unit | $837,700 | $1,933,200 |
| 4-unit | $1,041,125 | $2,402,625 |
Whether FHA or conventional wins depends on more than the limit — credit, down payment, and mortgage insurance all factor in. I’ll run both side by side before you commit to either.
The county numbers that are actually right.
Western Pennsylvania & Greater Pittsburgh
Allegheny, plus Armstrong, Beaver, Butler, Fayette, Washington, and Westmoreland — the Pittsburgh metro: conforming $832,750, FHA one-unit $541,287 (at the national floor). If you’re buying around Pittsburgh, these are your numbers.
Pike County (the Poconos)
Pennsylvania’s one high-cost outlier: both the conforming and the FHA one-unit limit run to $1,209,750, far above the statewide baseline. Worth knowing if a client is buying in the state’s northeast corner.
Jacksonville metro, Florida
Duval, St. Johns, and the rest of the metro: conforming $832,750, FHA one-unit $580,750 — above the floor, because Jacksonville is an intermediate-cost area.
Texas
Every county in the state is at the conforming baseline of $832,750 — Texas has no high-cost county. FHA is set per metro: most of Texas sits at the $541,287 floor, with the larger metros — Austin, Dallas–Fort Worth, San Antonio — running modestly above it. Tell me the county and I’ll pull the exact HUD figure.
Here’s why this page exists: some sites currently publish a county FHA limit that sits below the 2026 national floor — which is mathematically impossible. If a number you find anywhere doesn’t match the FHFA and HUD sources, it’s wrong. Ask me and I’ll give you the real one.
Over the line isn’t a wall — it’s just a different loan.
Going over the conforming limit doesn’t end the conversation. I’ll walk through whether a slightly smaller loan keeps you conforming, whether a jumbo makes sense, and where FHA or VA fit for your scenario.
One note on VA: a VA loan has no loan cap of its own once you have full entitlement — the conforming limit only comes into play for zero-down borrowing above your available entitlement. For most eligible buyers, the “limit” simply isn’t the constraint it is elsewhere.
Updated when the FHFA and HUD publish — not a year later.
The FHFA sets conforming limits and HUD sets FHA limits, each published new every winter. I update this page when they do, and I hold every number here to those primary sources. It’s a small thing, but on a page whose entire value is being correct, it’s the thing that matters.
Curious what your specific county allows, or whether your loan lands conforming, high-balance, or jumbo? Send me your numbers and I’ll tell you exactly where you stand.
Let’s figure out exactly which loan your price point calls for.
Talk it through with me first if you’d rather have a conversation. Or send me your scenario and I’ll come back with actual pricing — wholesale, not marked up, with the math on the table.
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Text or email with whatever’s on your mind — a house you’re considering, which county you’re in, or how close you are to the limit. I’ll respond within one business day. No pressure.
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