Last updated Nov 2026
2027 loan limits are not official yet
By Trameze Jones, REALTOR® · Last updated Nov 2026
FHFA's 2026 one-unit baseline conforming limit is $832,750. The page was modified Oct 14, 2026. As of Nov 2, 2026, FHFA has not announced the 2027 limit. Pennymac and UWM raised their own caps, which is not the FHFA limit. National Mortgage Professional on Oct 9, 2026 estimated $845,000, $847,440, and $850,000. None of those estimates is official.
Data as of Nov 2, 2026.
| Source | Number | Status |
|---|---|---|
| FHFA | $832,750 | 2026 one-unit baseline. Page modified Oct 14, 2026. |
| FHFA | 2027 limit | Not announced as of Nov 2, 2026 |
| National Mortgage Professional | $845,000, $847,440, $850,000 | Estimates, Oct 9, 2026. Not official. |
FHFA's conforming loan limit page, modified Oct 14, 2026, shows a one-unit baseline of $832,750 for 2026. As of Nov 2, 2026, FHFA had not announced the 2027 figure. This page is an update pending. It should be refreshed the day FHFA announces.
Some lenders have already raised their own conforming caps ahead of that announcement. HousingWire reported on Sep 16, 2026 that Pennymac and UWM did so. A lender's internal cap is not the FHFA limit.
National Mortgage Professional, on Oct 9, 2026, listed three competing 2027 estimates: $845,000, $847,440, and $850,000. None is official.
Has FHFA announced the 2027 conforming limit?
Tucson Experts' 12-month median for Catalina Foothills, through Oct 1, 2026, is $660,000. Long Realty's October 2026 metro report puts $1 million to $2 million homes at 8.1 months of supply. Buyers near the conforming line can negotiate, and they can time the loan around the announcement. Neither of those medians is a 2027 loan limit.
What would Trameze do?
What Trameze would do, on a purchase near $800,000, is ask the lender which limit they are using today, the FHFA baseline or their own cap, and write that number on the Loan Estimate before the offer assumes a conforming rate.
What are the short answers?
What is the official 2026 conforming loan limit?
FHFA's conforming loan limit page, modified Oct 14, 2026, shows a one-unit baseline of $832,750 for 2026.
Has FHFA announced the 2027 limit?
Not as of Nov 2, 2026. National Mortgage Professional listed three competing estimates on Oct 9, 2026: $845,000, $847,440, and $850,000. None of them is the FHFA figure.
Catalina Foothills · Oro Valley · Tucson · How buying works · Sources on this site
Sources
- FHFA Conforming Loan Limits, page modified Oct 14, 2026
- National Mortgage Professional, Three Competing 2027 Conforming Loan Limits, Oct 9, 2026
- HousingWire, Pennymac and UWM raise conforming loan limits, Sep 16, 2026
- Tucson Experts, 12-month medians through Oct 1, 2026, published Oct 4, 2026
- Long Realty / MLSSAZ Tucson Metro, October 2026, pulled Nov 2, 2026
Last updated Nov 2026. Figures stay next to the date they were published.