---
title: "Conforming Loan Limit Check"
method: POST
path: "/v1/tools/check_conforming_loan_limit"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# Conforming Loan Limit Check

`POST /v1/tools/check_conforming_loan_limit`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/check_conforming_loan_limit`
- Auth: none declared

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

## Request body

- object
  - `county_limit_override` number
  - `high_cost_county` boolean, required
  - `loan_amount` number
  - `loan_program` unknown, required
  - `state` unknown, required
  - `units` number
  - `year` number, required

## Response `200`

Successful tool execution result

- object
  - `applicable_limit` integer
  - `area_baseline` integer
  - `baseline_limit` integer
  - `classification` string
  - `conforming` boolean
  - `high_cost_ceiling` integer
  - `is_ak_hi_territory` boolean
  - `jumbo` boolean
  - `limit_tier` string
  - `loan_amount` integer
  - `loan_program` string
  - `note` string
  - `pii_note` string
  - `regulatory_basis` string
  - `state_code` string
  - `super_conforming` boolean
  - `table_source` string
  - `table_version` string
  - `units` integer
  - `year` integer

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)