The Federal Housing Finance Agency — regulator and conservator for Fannie Mae and Freddie Mac — is increasing the conforming loan limits in 2026 by just 3.26% or $26,250 for the 2026 calendar year.

This means the maximum conforming mortgage size for one unit goes to $832,750 from the 2025 maximum limit of $806,500.

Althought effective Jan. 1, most lenders will start funding on the new loan size now and hold them until January to sell them to the mortgage giants.

The increase applies to Los Angeles, Orange, San Diego, Riverside and San Bernardino counties.

The annual increase is markedly smaller than in the last several years. From 2024 to 2025 the increase was 5.2%, 2023 to 2024 saw an increase of 5.5% and 2022 to 2023 saw an exploding increase of 12.2% in the post covid days.

The Hou

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