Jumbo vs conforming classifier
Is your 2026 loan conforming, high-balance, or jumbo?
Enter your loan amount, choose the property’s unit count, and select the county. This tool compares your loan against the official 2026 FHFA conforming loan limit for that exact county and unit tier and tells you whether it lands in the baseline conforming range, the high-cost high-balance range, or the jumbo range. It does not quote a rate, price, or eligibility decision.
Enter a county name to see matches.
Loaded 3,235 counties/equivalents from the official 2026 FHFA dataset.
How this classifier works
Every year FHFA publishes the County Loan Limit List. We downloaded the 2026 file on 2026-07-29, validated every row, and embed it in this page. When you pick a county, this classifier reads the exact one-, two-, three-, or four-unit limit that FHFA published and compares it to your loan amount:
- Conforming (baseline). Loan at or below the county limit, in a county that uses the standard or special statutory baseline.
- High-balance conforming. Loan at or below the county limit, in an FHFA-designated high-cost county, and above the applicable baseline for the selected unit count. Within the applicable FHFA loan-size limit used for conforming classification.
- Jumbo (non-conforming). Loan above the county limit for the selected unit count. Underwritten to lender-specific jumbo guidelines rather than conforming standards.
The 2026 one-unit standard baseline is $832,750 for the contiguous states, DC, and Puerto Rico. Alaska, Hawaii, Guam, and the US Virgin Islands use a separate one-unit statutory baseline of $1,249,125. High-cost counties in standard-baseline jurisdictions receive higher county limits calculated under the HERA high-cost formula, subject to the HERA statutory ceiling.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count: 3,235. SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.
Download and cite the dataset
We publish a first-party redistribution of the Full County Loan Limit List 2026 (HERA-Based Final Flat) for analysts, journalists, and developers. It is the same official dataset (3,235 counties/equivalents) with numeric values preserved exactly — not a separate or modified dataset.
- 2026-conforming-loan-limits.csv — CSV, 3,235 rows, UTF-8, stable header
- 2026-conforming-loan-limits.json — JSON, 3,235 rows plus source metadata
- Official source
- FHFA.gov (Federal Housing Finance Agency)
- Retrieved
- 2026-07-29
- Row count
- 3,235
- Official CSV SHA-256
3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8
CSV header: fips_state,fips_county,state,county_name,cbsa,limit_1_unit,limit_2_units,limit_3_units,limit_4_units. Cite the FHFA as the primary source; a link back to conventional.loans is appreciated but not required.