County Loan Limits - Conventional Mortgage

For all Conventional Mortgage loans Nationwide, any loan amount $548,250 or less is what the mortgage industry refers to as ‘conforming.’ The lowest mortgage rate, with the least amount of fees, will be on loan amounts $548,250 or less. For individual Counties, there is a category called ‘conforming high balance.’ Conforming high balance is for any loan amount $548,251 or higher, up to (but not to exceed) the County loan limit. Any loan amount that exceeds the County loan limit is considered Jumbo. The Federal Housing Finance Agency sets this maximum loan amount per County. The complete County list is found here: ​​https://www.fhfa.gov/DataTools/Downloads/Documents/Conforming-Loan-Limits/FullCountyLoanLimitList2021_HERA-BASED_FINAL_FLAT.pdf