Conforming Loan Limit Check

FHFA annual conforming loan limit classifier. 2026 baseline: $832,750 (1-unit), $1,066,250 (2-unit), $1,288,800 (3-unit), $1,601,750 (4-unit). High-cost areas carry a ceiling at 150% of baseline; AK, HI, Guam and USVI receive a statutory uplift that raises their baseline to the same figure. Classifies a loan as conforming, super-conforming (the Enterprise high-balance category, above the area baseline and at or below the applicable high-cost limit) or jumbo. Fails closed with a null verdict and a named flag on an unsupported year or a missing loan amount. Accepts an optional county-level limit override from the FHFA full county loan limit list. Table version: FHFA-CLL-2026. Not lookup_reg_z_thresholds (Reg Z consumer-protection dollar thresholds) or check_agency_eligibility_matrix (DU/LPA approval parameters).

Tool URL: https://ainumbers.co/chaingraph/art-223-conforming-loan-limit.html