FHFA · Calendar year 2026

Conforming loan limits by county

Look up the maximum original principal balance for a mortgage that Fannie Mae or Freddie Mac may acquire in a selected county and property type.

Official county lookup

Find the 2026 limit

3,235 county equivalents

State or territoryCounty or county equivalent

Selected area

Harris County, TX

County-equivalent FIPS 48201

One-unit property: $832,750
Two-unit property: $1,066,250
Three-unit property: $1,288,800
Four-unit property: $1,601,750

Read the number correctly

A conforming limit is not a price or approval limit

The number applies to the mortgage's original principal balance, not the home's sale price. It does not say how much a person can afford, guarantee that a loan will be approved, or set FHA loan limits. Lenders still apply product, underwriting, income, credit, and property rules.

Source proof

Federal Housing Finance Agency

Official 2026 county table · 3,235 records · retrieved September 3, 2026 · source response SHA-256 retained.

Download the official FHFA CSV

Test a scenario

Use the limit as context—not as a borrowing target.

If you already have a loan amount and rate scenario, separate its monthly principal and interest from taxes, insurance, and other recurring costs.

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