$839,500 conforming loan limit 2026
The published one-unit conforming loan limit for 2026 is $839,500 in one county, all in Utah.
This figure is $6,750 (0.8%) above the $832,750 national baseline, and $409,625 below the $1,249,125 ceiling.
Limits by property type
| Property type | 2026 limit | Multiple of the one-unit figure |
|---|---|---|
| 1-unit | $839,500 | 1.0000× |
| 2-unit | $1,074,700 | 1.2802× |
| 3-unit | $1,299,100 | 1.5475× |
| 4-unit | $1,614,450 | 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 | $883,684 |
| 10% down | $932,778 |
| 15% down | $987,647 |
| 20% down | $1,049,375 |
| 25% down | $1,119,333 |
Monthly principal and interest on a $839,500 loan
| Rate | Monthly P&I, 30 yr | Monthly P&I, 15 yr |
|---|---|---|
| 6.0% fixed | $5,033 | $7,084 |
| 6.5% fixed | $5,306 | $7,313 |
| 7.0% fixed | $5,585 | $7,546 |
Principal and interest only, on a loan of exactly $839,500 — the largest conventional loan allowed in these areas before the loan becomes jumbo. Taxes, insurance and mortgage insurance are excluded.
The county
| County | State or territory | 2025 1-unit | 2024 1-unit | Change |
|---|---|---|---|---|
| Grand County | Utah | $806,500 | $766,550 | +4.1% |
Every county listed uses $839,500 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 $839,500 | Counties in total | State page |
|---|---|---|---|
| Utah | 1 | 29 | Utah → |
Neighbouring limits
- Higher: $851,000 (1 counties)
Frequently asked
Why is the conforming loan limit $839,500 here?
The area's median home price exceeds 115% of the $832,750 baseline, so its limit is set higher — here, $839,500.
How many counties share it?
1 county uses $839,500 for a one-unit property in 2026.
What is a jumbo loan on this figure?
Any mortgage above $839,500 for a one-unit property.
What is the four-unit limit?
$1,614,450 for 2026, or 1.9231 times the one-unit figure.