---
title: "2026 county conforming loan limits"
method: POST
path: "/api/locus_loan_limits"
tags: ["mortgage", "fhfa", "loan-limits", "owner-actions", "read-only", "free", "free"]
---

# 2026 county conforming loan limits

`POST /api/locus_loan_limits`

## Request

- Base URL: `https://api.locus.report`
- URL: `https://api.locus.report/api/locus_loan_limits`
- Auth: none required

FHFA 2026 one-to-four-unit conforming loan limits for a resolved US county, with optional arithmetic on a caller-supplied loan amount, for buyer and lender agents, from FHFA. Use as the published eligibility ceiling before a loan-size question. No qualification, approval, value, or recommendation. National, read-only. Direct flat-body route for this one free resource; no API key, payment, or catalog wrapper. Return only the cited bounded evidence described here; this route never produces a paid brief or full report.

## Request body

- object
  - `address` string: US street address. Provide this, latitude+longitude, or state+county.
  - `latitude` number: Decimal latitude. Provide with longitude.
  - `longitude` number: Decimal longitude. Provide with latitude.
  - `state` string: Two-letter code or full US state name. Provide with county.
  - `county` string: County or county-equivalent name. Provide with state.
  - `units` union: Residential unit count used to select the published limit. Default 1.
    - 1
    - 2
    - 3
    - 4
  - `proposedLoanAmountUsd` number: Optional caller-supplied loan amount for arithmetic against the published limit.

## Response `200`

Free cited evidence response.

- object

## Other responses

- `400`: Invalid request body.
- `429`: Rate limited.

---

[API](https://skmtc.dev/locus/apis/locus-api.md) · [All operations](https://skmtc.dev/locus/apis/locus-api/llms.txt) · [OpenAPI document](https://skmtc.dev/locus/apis/locus-api/revisions/ba7786b74adb?raw)