A jumbo loan is a mortgage used to finance properties that exceed the conforming loan limits set by FHFA and backed by Fannie Mae and Freddie Mac — the two government-sponsored enterprises (GSEs).
Below are 2025 conforming loan limits set by FHFA for 1–4 unit properties nationwide. Any loan amount above the area's conforming limit is considered a "jumbo loan."
# Units | Baseline Limit | High‑Cost Area Ceiling |
1 Unit | $806,500 | $1,209,750 |
2 Units | $1,032,650 | $1,548,975 |
3 Units | $1,248,150 | $1,872,225 |
4 Units | $1,551,250 | $2,326,875 |
Note: Conforming loan limits may vary by property location. Please contact our loan officer for personalized guidance.
Because jumbo loans exceed conforming limits and are not eligible for purchase by Fannie Mae or Freddie Mac, lenders typically require borrowers to have a solid financial. Speak with one of our experienced loan officers to learn more about whether a jumbo loan is right for you.
