A History of "Conforming" (FNMA/FHLMC) Loan Limits
Every year, new loan limits are announced for mortgage loans which may be purchased by the Federal National Mortgage Association (FNMA, or Fannie Mae) and the Federal Home Loan Mortgage Corporation (FHLMC, or Freddie Mac). Fannie Mae and Freddie Mac are the two largest "secondary market" agencies -- corporations which purchase closed loans from mortgage lenders.
Click here for the current year, further explanation and information on expanded conforming loan limits in certain counties and metro areas.
| Year | One Family ($) | Two Family ($) | Three Family ($) | Four Family ($) |
|---|---|---|---|---|
| 2025 | 806,500 | 1,032,650 | 1,248,150 | 1,551,250 |
| 2024 | 766,550 | 981,500 | 1,186,350 | 1,474,400 |
| 2023 | 726,200 | 929,850 | 1,123,900 | 1,396,800 |
| 2022 | 647,200 | 828,700 | 1,001,660 | 1,244,850 |
| 2021 | 548,250 | 702,000 | 848,500 | 1,054,500 |
| 2020 | 510,400 | 653,550 | 789,950 | 981,700 |
| 2019 | 484,350 | 620,200 | 749,650 | 931,600 |
| 2018 | 453,100 | 580,150 | 701,250 | 871,450 |
| 2017 | 424,100 | 543,000 | 656,350 | 815,650 |
| 2016 | 417,000 | 533,850 | 645,300 | 801,950 |
| 2015 | 417,000 | 533,850 | 645,300 | 801,950 |
| 2014 | 417,000 | 533,850 | 645,300 | 801,950 |
| 2013 | 417,000 | 533,850 | 645,300 | 801,950 |
| 2012 | 417,000 | 533,850 | 645,300 | 801,950 |
| 2011 | 417,000 | 533,850 | 645,300 | 801,950 |
| 2010 | 417,000 | 533,850 | 645,300 | 801,950 |
| 2009 | 417,000 | 533,850 | 645,300 | 801,950 |
| 2008 | 417,000 | 533,850 | 645,300 | 801,950 |
| 2007 | 417,000 | 533,850 | 645,300 | 801,950 |
| 2006 | 417,000 | 533,850 | 645,300 | 801,950 |
| 2005 | 359,650 | 460,400 | 556,500 | 691,600 |
| 2004 | 333,700 | 427,150 | 516,300 | 641,650 |
| 2003 | 322,700 | 413,100 | 499,300 | 620,500 |
| 2002 | 300,700 | 384,900 | 465,200 | 578,150 |
| 2001 | 275,000 | 351,950 | 425,400 | 528,700 |
| 2000 | 252,700 | 323,400 | 390,900 | 485,800 |
| 1999 | 240,000 | 307,100 | 371,200 | 461,350 |
| 1998 | 227,150 | 290,650 | 351,300 | 436,600 |
| 1997 | 214,600 | 274,550 | 331,850 | 412,450 |
| 1996 | 207,000 | 264,750 | 320,050 | 397,800 |
| 1995 | 203,150 | 259,850 | 314,100 | 390,400 |
| 1994 | 203,150 | 259,850 | 314,100 | 390,400 |
| 1993 | 203,150 | 259,850 | 314,100 | 390,400 |
| 1992 | 202,300 | 258,800 | 312,800 | 388,800 |
| 1991 | 191,250 | 244,650 | 295,650 | 367,500 |
| 1990 | 187,450 | 239,750 | 289,750 | 360,150 |
| 1989 | 187,600 | 239,950 | 290,000 | 360,450 |
| 1988 | 168,700 | 215,800 | 260,800 | 324,150 |
| 1987 | 153,100 | 195,850 | 326,650 | 294,150 |
| 1986 | 133,250 | 170,450 | 205,950 | 256,000 |
| 1985 | 115,300 | 147,500 | 178,200 | 256,000 |
| 1984 | 114,000 | 145,800 | 176,100 | 218,900 |
| 1983 | 108,300 | 138,500 | 167,200 | 207,900 |
| 1982 | 107,000 | 136,800 | 165,100 | 205,300 |
| 1981 | 98,500 | 126,000 | 152,000 | 189,000 |
| 1980 | 93,750 | 120,000 | 145,000 | 180,000 |
Note: Maximum loan amounts are 50% higher in Alaska and Hawaii.
Source: FHFA, FNMA, FHLMC
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