On November 26, 2024, the Federal Housing Finance Agency (FHFA) announced an increase in the maximum conforming loan limits for mortgages acquired by Fannie Mae and Freddie Mac in 2025.

The maximum loan limit for one-unit properties will be $806,500, an increase of $39,950 (or 5.2 percent) from 2024. Release.

National Baseline

The decision was based on the recovery of housing prices under the Housing and Economic Recovery Act of 2008 (HERA). They require that the baseline conforming loan limit be adjusted each year for Fannie Mae and Freddie Mac to reflect the change in the average U.S. home price.  

FHFA third quarter 2024 House Price Index (HPI) reported that house prices increased 5.21%, on average, between the third quarters of 2023 and 2024. The baseline maximum conforming loan limit in 2025 will increase by the same percentage.

High-Cost Areas

For areas in which 115 percent of the local median home value exceeds the baseline conforming loan limit, the maximum loan limit will be higher than the baseline loan limit. 

List of 2025 Conforming Loan Limits For All Counties

A list of the 2025 maximum conforming loan limits for all counties and county-equivalent areas in the country can be found here.

Curious about limits in your county or other areas? Follow the link below to check. We update it with every change, so bookmark it for future reference if you'd like. 

Contact your Greenway Mortgage loan officer today for more details about how the increase can impact you.

2025 Conforming Loan Limits Effective January 2025