Home price growth has remained steady, with housing values rising 5.2% last year, according to the Federal Housing Finance Agency (FHFA).
Luckily, loan limits continue to adjust alongside home price trends. On January 1, 2025, new conforming loan limits have increased to $806,500 in most of the U.S.—up from $766,550 in 2024. The limit in high-cost areas rose from $1,149,825 to $1,209,750.
The increase will give borrowers potential access to larger amounts of financing, broadening their homeownership prospects.Verify your conventional loan eligibility. Start here (Jan 18th, 2025)
Lending limits for conventional conforming loans got a sizable boost this year.
The Federal Housing Finance Agency (FHFA) determined that home prices rose by 5.21% on average across the nation over the past four quarters. Therefore, it raised conforming loan limits by the same percentage — a jump of $39,950 for the standard one-unit home. Multi-unit properties got similar increases.Verify your conventional loan eligibility. Start here (Jan 18th, 2025)
| Standard Limit | High-Cost Area | |
| 1 Unit | $806,500 | $1,209,750 |
| 2 Units | $1,032,650 | $1,548,975 |
| 3 Units | $1,248,150 | $1,872,225 |
| 4 Units | $1,551,250 | $2,326,875 |
Standard loan limits for 2025, which apply to the vast majority of the United States, are as follows:
Keep in mind that these are only the ‘baseline’ limits. In areas with high-cost real estate, buyers get significantly higher conventional mortgage limits.
High-balance conforming loan limits vary by county. Depending on location and local real estate prices, conforming loan limits can go as high as:
Areas such as San Francisco County, California; Arlington County, Virginia; and Richmond County, New York enjoy the maximum conforming loan limits, while typically expensive cities like Boston, Seattle, and San Diego fall between the standard and ceiling limits.
In Alaska, Hawaii, Guam, and the U.S. Virgin Islands — which follow their own loan limit rules — the baseline loan limit for 2025 is also the maximum $1,209,750 for a one-unit property.
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