Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2012 and (b) Originated after or Prior to Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2013 and (b) Originated after or Prior to Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2014 and (b) Originated after or Prior to Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2015 and (b) Originated after or Prior to Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2016 and (b) Originated after or Prior to Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2017 and (b) Originated after or Prior to Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2018 and (b) Originated after or Prior to Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2019 and (b) Originated after or Prior to Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2020 and (b) Originated after or Prior to Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2021 and (b) Originated after or Prior to Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2022 and (b) Originated after or Prior to See the latest Conforming Loan Limit values news releaseĬonforming Loan Limit Values for Calendar Year 2023 - All Counties The 2023 conforming loan limit values have been set under the HERA formula.

While some of the legislative initiatives established temporary limit values for loans originated in select time periods, a permanent formula was established under the Housing and Economic Recovery Act of 2008 (HERA). Since 2008, various legislative acts increased the conforming loan limit values in certain high-cost areas in the United States. The national conforming loan limit value for mortgages that finance single-family one-unit properties increased from $33,000 in the early 1970s to $417,0-2008, with limit values 50 percent higher for four statutorily-designated high cost areas: Alaska, Hawaii, Guam, and the U.S.

Loans above this amount are known as jumbo loans. Fannie Mae and Freddie Mac are restricted by law to purchasing single-family mortgages with origination balances below a specific amount, known as the “conforming loan limit” (CLL) value.

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