$1,092,500 conforming loan limit 2026
The published one-unit conforming loan limit for 2026 is $1,092,500 in 2 counties, all in Colorado.
This figure is $259,750 (31.2%) above the $832,750 national baseline, and $156,625 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 | $1,092,500 | 1.0000× |
| 2-unit | $1,398,600 | 1.2802× |
| 3-unit | $1,690,600 | 1.5475× |
| 4-unit | $2,101,000 | 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 | $1,150,000 |
| 10% down | $1,213,889 |
| 15% down | $1,285,294 |
| 20% down | $1,365,625 |
| 25% down | $1,456,667 |
Monthly principal and interest on a $1,092,500 loan
| Rate | Monthly P&I, 30 yr | Monthly P&I, 15 yr |
|---|---|---|
| 6.0% fixed | $6,550 | $9,219 |
| 6.5% fixed | $6,905 | $9,517 |
| 7.0% fixed | $7,268 | $9,820 |
Principal and interest only, on a loan of exactly $1,092,500 — 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 |
|---|---|---|---|---|
| Lake County | Colorado | $806,500 | $766,550 | +35.5% |
| Summit County | Colorado | $1,067,200 | $1,006,250 | +2.4% |
Every county listed uses $1,092,500 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 $1,092,500 | Counties in total | State page |
|---|---|---|---|
| Colorado | 2 | 64 | Colorado → |
Neighbouring limits
- Higher: $1,104,000 (1 counties)
- Lower: $1,089,050 (2 counties)
Frequently asked
Why is the conforming loan limit $1,092,500 here?
The area's median home price exceeds 115% of the $832,750 baseline, so its limit is set higher — here, $1,092,500.
How many counties share it?
2 counties use $1,092,500 for a one-unit property in 2026.
What is a jumbo loan on this figure?
Any mortgage above $1,092,500 for a one-unit property.
What is the four-unit limit?
$2,101,000 for 2026, or 1.9231 times the one-unit figure.