The conforming loan limit explained: where the line is and what crossing it means
Units and limits
The line, briefly
FHFA publishes four limits for each county, one for each unit count from one to four. A duplex, triplex or fourplex has a higher limit than a single-unit home in the same county. Using the one-unit column for a multi-unit property can make a loan look jumbo when it is not.
Last reviewed against the primary sources listed below.
Reading the table
- Find the county row.
- Choose the column for the home's unit count.
- Compare it with your planned loan amount.
Questions about the line
Is a condo one unit?
Yes. An individual condominium unit uses the one-unit limit.