$994,750 conforming loan limit 2026
The published one-unit conforming loan limit for 2026 is $994,750 in 2 counties across California and Colorado.
This figure is $162,000 (19.5%) above the $832,750 national baseline, and $254,375 below the $1,249,125 ceiling.
Limits by property type
| Property type | 2026 limit | Multiple of the one-unit figure |
|---|---|---|
| 1-unit | $994,750 | 1.0000× |
| 2-unit | $1,273,450 | 1.2802× |
| 3-unit | $1,539,350 | 1.5475× |
| 4-unit | $1,913,000 | 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 | $1,047,105 |
| 10% down | $1,105,278 |
| 15% down | $1,170,294 |
| 20% down | $1,243,438 |
| 25% down | $1,326,333 |
Monthly principal and interest on a $994,750 loan
| Rate | Monthly P&I, 30 yr | Monthly P&I, 15 yr |
|---|---|---|
| 6.0% fixed | $5,964 | $8,394 |
| 6.5% fixed | $6,287 | $8,665 |
| 7.0% fixed | $6,618 | $8,941 |
Principal and interest only, on a loan of exactly $994,750 — 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 |
|---|---|---|---|---|
| Monterey County | California | $970,600 | $920,000 | +2.5% |
| San Miguel County | Colorado | $994,750 | $994,750 | +0.0% |
Every county listed uses $994,750 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 $994,750 | Counties in total | State page |
|---|---|---|---|
| California | 1 | 58 | California → |
| Colorado | 1 | 64 | Colorado → |
Neighbouring limits
Frequently asked
Why is the conforming loan limit $994,750 here?
The area's median home price exceeds 115% of the $832,750 baseline, so its limit is set higher — here, $994,750.
How many counties share it?
2 counties use $994,750 for a one-unit property in 2026.
What is a jumbo loan on this figure?
Any mortgage above $994,750 for a one-unit property.
What is the four-unit limit?
$1,913,000 for 2026, or 1.9231 times the one-unit figure.