Find out if your loan amount exceeds the local conforming limit.

When it comes to mortgage financing, location plays a major role — especially if you’re buying a higher-priced home.

The key question is:
👉 Will your loan be conforming, or will it require jumbo financing?

That answer depends on your loan amount and your county’s loan limit.

Here’s what you need to know about the 2025 conforming loan limits, and when a jumbo loan becomes necessary.

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✅ 2025 National Conforming Loan Limit

Each year, the Federal Housing Finance Agency (FHFA) sets the maximum loan size that can be backed by Fannie Mae and Freddie Mac — known as the conforming loan limit.

For 2025, the baseline conforming limit for a 1-unit property is:

🏡 $806,500 (standard in most counties)

If your loan amount exceeds this, you may need a jumbo loan, unless you’re in a high-cost area.

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🏔️ High-Cost Area Limits in 2025

In select high-cost counties where home prices far exceed the national average, the conforming loan limit goes higher — up to:

💰 $1,209,750 for a 1-unit property

This applies to areas like:

• Los Angeles County, CA
• Orange County, CA
• New York County, NY
• San Mateo and Santa Clara Counties, CA
• Honolulu County, HI
• Marin and Napa Counties, CA

These elevated limits mean you may still qualify for conforming financing even at higher price points.

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🔍 Examples: 2025 Conforming Loan Limits by County (1-Unit Homes)

County	State	2025 Conforming Limit
Los Angeles	CA	$1,209,750
Orange County	CA	$1,209,750
San Diego	CA	$1,077,550
King (Seattle)	WA	$977,500
New York (Manhattan)	NY	$1,149,825
Denver	CO	$816,500
Ada (Boise)	ID	$806,500 (standard)
Miami-Dade	FL	$806,500 (standard)

✅ You can view the full FHFA loan limit list here (PDF).

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💡 Why This Matters

Understanding your local limit helps you:

• Know whether you’ll need jumbo loan financing
• Plan how much to put down to stay under conforming limits
• Prepare for potential differences in rates, reserves, or approval criteria
• Make informed decisions before making an offer

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🧠 What Happens If You Exceed the Limit?

If your loan amount is higher than your county’s conforming limit:

• You’ll need a jumbo loan
• Jumbo loans come with different requirements:
  • Higher credit score expectations (often 680+)
  • Larger down payments (10–20%)
  • Reserve requirements
  • Slightly different underwriting

But they also allow for greater flexibility in loan amount, property type, and income structure.

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🏢 Why PRMI?

PRMI is a direct lender offering:

• Both conforming and jumbo mortgage options
• In-house jumbo loan underwriting
• Jumbo loans for primary homes, second homes, and investment properties
• Flexible programs including ARM, interest-only, and cash-out

We guide you through local limits, loan structuring, and the most strategic options based on your location, budget, and goals.

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👇 Want to Know Your Local Limit and Best Loan Strategy?

Let’s look at your county, loan amount, and down payment — and show you whether jumbo or conforming financing fits best.