FHFA: Conforming Loan Limit

Name: FHFA: Conforming Loan Limit
Published: 2025-02-17
License: https://creativecommons.org/licenses/by/4.0

Name	File Type	Size	Last Modified
CLLAddendum_CY2018_final.pdf	application/pdf	20 KB	04/10/2026 11:54:AM
conforming_loan_limit.zip	application/zip	8.4 MB	02/17/2025 12:19:PM

Project Citation:

Federal Housing Finance Agency. FHFA: Conforming Loan Limit. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2026-04-10. https://doi.org/10.3886/E219803V2

Project Description

Project Title: FHFA: Conforming Loan Limit

Summary: Fannie Mae and Freddie Mac are restricted by law to purchasing single-family mortgages with origination balances below a specific amount, known as the “conforming loan limit” (CLL) value. Loans above this amount are known as jumbo loans.The national conforming loan limit value for mortgages that finance single-family one-unit properties increased from $33,000 in the early 1970s to $417,000 for 2006-2008, with limit values 50 percent higher for four statutorily-designated high cost areas: Alaska, Hawaii, Guam, and the U.S. Virgin Islands. Since 2008, various legislative acts increased the conforming loan limit values in certain high-cost areas in the United States. While some of the legislative initiatives established temporary limit values for loans originated in select time periods, a permanent formula was established under the Housing and Economic Recovery Act of 2008 (HERA). The 2025 conforming loan limit values have been set under the HERA formula. See the latest Conforming Loan Limit values news release here.

***For 2007
Microdata: No
Level of Analysis: Local - County, CBSA, FIPS; States
Variables Present: Yes
File Layout: N/A
Codebook: N/A
Methods: No
Weights (with appropriate documentation): N/A
Publications: Yes
Aggregate Data: Yes

***For 2008
Microdata: Yes
Level of Analysis: Local - CBSA, zip, tract, metro, nonmetro; state; nation
Variables Present: Yes
File Layout: .pdf
Codebook: No
Methods: Yes
Weights (with appropriate documentation): N/A
Publications: Yes
Aggregate Data: Yes

***For 2009-2017
Microdata: No
Level of Analysis: Local - CBSA, zip, tract, metro, nonmetro; state; nation
Variables Present: Yes
File Layout: .xlsx
Codebook: No
Methods: No
Weights (with appropriate documentation): N/A
Publications: No
Aggregate Data: No

***For 2018-2025
Microdata: No
Level of Analysis: Local - CBSA, zip, tract, metro, nonmetro; state; nation
Variables Present: Yes
File Layout: .xlsx
Codebook: No
Methods: Yes - pdf
Weights (with appropriate documentation): N/A
Publications: Yes
Aggregate Data: Yes

Original Distribution URL: https://www.fhfa.gov/data/conforming-loan-limit

Scope of Project

Subject Terms: loans; finance; housing

Geographic Coverage: United States (with statutory high-cost areas including Alaska, Hawaii, Guam, and United States Virgin Islands)

Time Period(s): 2007 – 2020; 2022 – 2025

Data Type(s): administrative records data

Methodology

Data Source: Housing Finance Board (FHFB)

Collection Mode(s): other

Unit(s) of Observation: One-family house

Geographic Unit: County

Related Publications

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Published Versions

V2 [2026-04-10]

V1 [2025-02-17]

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