09/25/2026
🏡 2027 CONFORMING LOAN LIMITS!
Higher conforming loan limits = more buying power before a loan may move into jumbo territory.
For early 2027, the expected limits shown above are:
🏠 1-unit: $847,440
🏘️ 2-unit: $1,085,059
🏘️ 3-unit: $1,311,535
🏘️ 4-unit: $1,630,005
So…what does that mean for you?
For buyers:
You may be able to purchase a higher-priced home with conventional financing without needing a jumbo loan, depending on the property, county, credit, income, down payment and other qualifying factors.
For Realtors:
This can give your buyers more financing flexibility when looking at homes near the current conforming loan limit.
💡 Example: If a buyer needs a $825K loan on a 1-unit property, the expected $847,440 limit could potentially keep that loan within conforming financing instead of requiring jumbo financing.
Important: These are expected early-2027 limits, and actual loan limits can vary by county and property type. Always confirm the applicable limit.
📲 Realtors, if you have a buyer who is getting close to the conforming limit, send me the scenario before assuming they need jumbo. Let’s look at the numbers!
