How the 2026 Conforming Loan Limit Increase Expands Buying Power.

Every year, the FHFA updates conforming loan limits to match home-price growth — and 2026 brought another increase.

This expansion creates meaningful advantages for buyers heading into the new year.

1. More Buying Power at Lower Rates

Staying within conforming limits avoids jumbo pricing — saving buyers hundreds per month.

2. Lower Down Payment Requirements

Buyers can now put 3–5% down on higher-priced homes.

3. Easier Approvals

Conforming guidelines are more flexible than jumbo underwriting.

4. Better MI Pricing

Higher limits = more optimized MI tiers.

5. Best Timing: December → Early 2026

Run scenarios now. Execute in January.

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