Bolt Home Loans LLC · NMLS 2784913
Conventional home loans for buying and refinancing.
Understand your options in plain English: official 2026 county loan limits, free calculators, honest comparisons, and original research — then talk with a licensed loan specialist when you are ready.
Conventional.Loans is operated by Bolt Home Loans LLC, NMLS 2784913. Educational content and planning tools only — not an application, approval, preapproval, rate quote, rate lock, or commitment to lend.
Start where you are
Three ways in
Educational planning only. Not an application, approval, preapproval, rate quote, rate lock, or commitment to lend.
Why this source
- $832,750
- 2026 baseline one-unit conforming limit (FHFA)
- 3,235
- Official county limit records published in full
- 56
- States, DC, and territories covered
- Source notes
- Check scope and review status disclosed
County-limit data source: Federal Housing Finance Agency, Full County Loan Limit List 2026 (HERA-Based Final Flat). Operated by Bolt Home Loans LLC, NMLS 2784913 — not a government agency and not affiliated with FHFA, Fannie Mae, or Freddie Mac.
The honest version
What actually changes the answer
A single monthly-payment number hides the decision. Six inputs move a conventional loan more than anything else, and they trade against each other. Every tool on this site is built to make that trade visible instead of collapsing it into one figure.
Work through it in the Blueprint- 01
Down payment
3% and 20% can both be right. It changes PMI, payment, cash to close, and flexibility.
- 02
Credit profile
Pricing and mortgage-insurance considerations move across credit tiers.
- 03
Occupancy
Primary residence, second home, and investment carry different expectations.
- 04
Loan size
Conforming, high-balance, and jumbo behave differently in the same county.
- 05
Mortgage insurance
May apply above 80% LTV. How and when it ends varies by structure.
- 06
Time horizon
How long you keep the loan can outweigh the headline monthly payment.
Featured calculator
Mini payment estimator
A quick look at principal & interest
Enter your own numbers — nothing leaves your browser. This excludes property taxes, homeowners insurance, HOA, and PMI. The rate is the one you typed; it is not a quote.
Educational estimate using the rate you entered. Not a rate quote or an offer of credit.
Open the full calculatorComparison center
Neutral side-by-side, no house favorite
Original research and open data
First-party analysis anyone can cite
We publish the full official county limit list, the 2025→2026 change analysis, and downloadable CSV and JSON distributions — free to use, with the source file and retrieval date shown.
Conventional Loan Center
Guides that answer the whole question
- What Is a Conventional Loan?
- Conventional Loan Requirements: Credit, DTI and Down Payment | Conventional.Loans
- Conventional Loan Down Payment: 3% Programs and Cash to Close
- PMI Costs and Removal: The 80% and 78% Rules | Conventional.Loans
- 2026 Conforming Loan Limits: Baseline and High-Cost | Conventional.Loans
- First-Time Home Buyer Guide
- Conventional Refinance Guide
- Conventional Cash-Out Refinance: Equity, Proceeds, and Trade-offs
- Insights
How we source and review
Primary sources. Transparent assumptions.
We link to primary sources such as FHFA, Fannie Mae, Freddie Mac, CFPB, HUD/FHA, VA, and NMLS Consumer Access. See each page’s source notes and review status for the scope of checks completed. A source check is not proof of human or licensed compliance review. Calculator formulas and limitations are documented in our methodology. We do not publish rates, and we do not add advertising pixels, call tracking, session replay, or our own third-party marketing analytics. Our hosting platform provides first-party operational telemetry, described in our privacy notice.
Plan the loan, not just the payment.
Build a browser-only Blueprint of your situation, then continue with a licensed loan officer when you are ready. Nothing here is an application, approval, preapproval, rate quote, rate lock, or commitment to lend.