When a Loan Becomes Jumbo in 2026
A jumbo loan is any mortgage larger than the conforming loan limit — the maximum loan Fannie Mae and Freddie Mac will buy. The Federal Housing Finance Agency (FHFA) resets that limit every year, and it varies by county.
Quick answer — 2026 limits: The baseline conforming limit is $832,750 in most counties (up from $806,500 in 2025). In high-cost counties it rises to a ceiling of $1,249,125. Any loan above your county’s limit is a jumbo loan. Find your county below.
| 2026 conforming limit (one-unit) | Amount |
|---|---|
| Baseline (most counties) | $832,750 |
| High-cost county ceiling | $1,249,125 |
Borrow above your county’s limit and the loan is jumbo — which means private underwriting, stronger credit, larger reserves, and full documentation. See our jumbo loan program for current requirements, or the bank statement loan if your tax returns don’t reflect your true income.
2026 County Limits — Our Licensed States
Figures below are the 2026 FHFA one-unit conforming limits. Any county not listed sits at the $832,750 baseline.
California
Every California high-cost county:
| County | 2026 limit |
|---|---|
| Alameda, Contra Costa, Los Angeles, Marin, Orange, San Benito, San Francisco, San Mateo, Santa Clara, Santa Cruz | $1,249,125 |
| San Diego | $1,104,000 |
| Ventura | $1,035,000 |
| Napa | $1,017,750 |
| San Luis Obispo | $1,000,500 |
| Monterey | $994,750 |
| Santa Barbara | $941,850 |
| Sonoma | $897,000 |
| All other California counties | $832,750 |
Colorado
| County | 2026 limit |
|---|---|
| Eagle | $1,249,125 |
| Garfield, Pitkin | $1,209,750 |
| Lake, Summit | $1,092,500 |
| Moffat, Routt | $1,089,050 |
| San Miguel | $994,750 |
| Grand | $883,200 |
| Boulder | $879,750 |
| Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, Park (Denver metro) | $862,500 |
| All other Colorado counties | $832,750 |
Washington
| County | 2026 limit |
|---|---|
| King, Pierce, Snohomish (Seattle metro) | $1,063,750 |
| All other Washington counties | $832,750 |
Idaho
| County | 2026 limit |
|---|---|
| Teton | $1,249,125 |
| All other Idaho counties | $832,750 |
Oregon & Texas
Every county in Oregon and Texas is at the $832,750 baseline for 2026 — no high-cost counties. Any loan above $832,750 in these states is jumbo.
Figures are the 2026 FHFA conforming loan limit values, effective for loans acquired by Fannie Mae and Freddie Mac in 2026. Programs available in California, Colorado, Oregon, Washington, Texas, and Idaho. 1st Nationwide Mortgage Corporation, NMLS #1281. Equal Housing Lender. Not a commitment to lend; program availability and terms vary by state and qualification.
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