$1,089,050 conforming loan limit 2026
The published one-unit conforming loan limit for 2026 is $1,089,050 in 2 counties, all in Colorado.
This figure is $256,300 (30.8%) above the $832,750 national baseline, and $160,075 below the $1,249,125 ceiling.
These counties carry one number because the limit is set for the metropolitan or micropolitan area as a whole, and they all belong to the same one.
Limits by property type
| Property type | 2026 limit | Multiple of the one-unit figure |
|---|---|---|
| 1-unit | $1,089,050 | 1.0000× |
| 2-unit | $1,394,200 | 1.2802× |
| 3-unit | $1,685,250 | 1.5474× |
| 4-unit | $2,094,350 | 1.9231× |
The two-, three- and four-unit limits are set as fixed multiples of the one-unit limit, so they move automatically whenever the one-unit figure moves.
What the limit buys and costs
Maximum purchase price at each down payment
| Down payment | Maximum purchase price |
|---|---|
| 5% down | $1,146,368 |
| 10% down | $1,210,056 |
| 15% down | $1,281,235 |
| 20% down | $1,361,313 |
| 25% down | $1,452,067 |
Monthly principal and interest on a $1,089,050 loan
| Rate | Monthly P&I, 30 yr | Monthly P&I, 15 yr |
|---|---|---|
| 6.0% fixed | $6,529 | $9,190 |
| 6.5% fixed | $6,884 | $9,487 |
| 7.0% fixed | $7,245 | $9,789 |
Principal and interest only, on a loan of exactly $1,089,050 — the largest conventional loan allowed in these areas before the loan becomes jumbo. Taxes, insurance and mortgage insurance are excluded.
The 2 counties on this figure
| County | State or territory | 2025 1-unit | 2024 1-unit | Change |
|---|---|---|---|---|
| Moffat County | Colorado | $806,500 | $766,550 | +35.0% |
| Routt County | Colorado | $1,012,000 | $1,012,000 | +7.6% |
Every county listed uses $1,089,050 for a one-unit property. Click a county to price a specific loan in the calculator.
Where this figure applies
| State or territory | Counties on $1,089,050 | Counties in total | State page |
|---|---|---|---|
| Colorado | 2 | 64 | Colorado → |
Neighbouring limits
- Higher: $1,092,500 (2 counties)
- Lower: $1,063,750 (3 counties)
Frequently asked
Why is the conforming loan limit $1,089,050 here?
The area's median home price exceeds 115% of the $832,750 baseline, so its limit is set higher — here, $1,089,050.
How many counties share it?
2 counties use $1,089,050 for a one-unit property in 2026.
What is a jumbo loan on this figure?
Any mortgage above $1,089,050 for a one-unit property.
What is the four-unit limit?
$2,094,350 for 2026, or 1.9231 times the one-unit figure.