FHFA Increases Fannie Mae and Freddie Mac Conforming Loan Limits for Third Time

Blog posted On November 27, 2018

For the third time in three years, the Federal Housing Finance Agency (FHFA) has increased the conforming loan limits securitized by Fannie Mae and Freddie Mac.  After ten years of not increasing the maximum conforming loan limits on Fannie Mae and Freddie Mac mortgages, the FHFA has increased loan limits for three years in a row. 

In 2019, in most states and counties, the maximum conforming loan limit for one-unit properties will increase from $453,100 to $484,350, a 6.9% year-over-year increase.  In high-cost areas, including Alaska, Hawaii, Guam, and the US Virgin Islands, the loan limit will increase from $679,650 to $726,525.

“As a result of generally rising home values, the increase in the baseline loan limit, and the increase in the ceiling loan limit, the maximum conforming loan limit will be higher in 2019 in all but 47 counties or county equivalents in the U.S.,” the FHFA said in a statement.

For a detailed breakdown of the loan limit increases in your county click here to access resource.


Sources:, HousingWire, MarketWatch