$962,550 conforming loan limit 2026
The published one-unit conforming loan limit for 2026 is $962,550 in 7 counties across Massachusetts and New Hampshire.
This figure is $129,800 (15.6%) above the $832,750 national baseline, and $286,575 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 | $962,550 | 1.0000× |
| 2-unit | $1,232,250 | 1.2802× |
| 3-unit | $1,489,500 | 1.5475× |
| 4-unit | $1,851,100 | 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 | $1,013,211 |
| 10% down | $1,069,500 |
| 15% down | $1,132,412 |
| 20% down | $1,203,188 |
| 25% down | $1,283,400 |
Monthly principal and interest on a $962,550 loan
| Rate | Monthly P&I, 30 yr | Monthly P&I, 15 yr |
|---|---|---|
| 6.0% fixed | $5,771 | $8,123 |
| 6.5% fixed | $6,084 | $8,385 |
| 7.0% fixed | $6,404 | $8,652 |
Principal and interest only, on a loan of exactly $962,550 — the largest conventional loan allowed in these areas before the loan becomes jumbo. Taxes, insurance and mortgage insurance are excluded.
The 7 counties on this figure
| County | State or territory | 2025 1-unit | 2024 1-unit | Change |
|---|---|---|---|---|
| Essex County | Massachusetts | $914,250 | $862,500 | +5.3% |
| Middlesex County | Massachusetts | $914,250 | $862,500 | +5.3% |
| Norfolk County | Massachusetts | $914,250 | $862,500 | +5.3% |
| Plymouth County | Massachusetts | $914,250 | $862,500 | +5.3% |
| Rockingham County | New Hampshire | $914,250 | $862,500 | +5.3% |
| Strafford County | New Hampshire | $914,250 | $862,500 | +5.3% |
| Suffolk County | Massachusetts | $914,250 | $862,500 | +5.3% |
Every county listed uses $962,550 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 $962,550 | Counties in total | State page |
|---|---|---|---|
| Massachusetts | 5 | 14 | Massachusetts → |
| New Hampshire | 2 | 10 | New Hampshire → |
Neighbouring limits
Frequently asked
Why is the conforming loan limit $962,550 here?
The area's median home price exceeds 115% of the $832,750 baseline, so its limit is set higher — here, $962,550.
How many counties share it?
7 counties use $962,550 for a one-unit property in 2026.
What is a jumbo loan on this figure?
Any mortgage above $962,550 for a one-unit property.
What is the four-unit limit?
$1,851,100 for 2026, or 1.9231 times the one-unit figure.