New Loan Limits For 2021!

Based on new higher values of homes across America, conventional loans have been increased for 2021. This means that you can get a larger loan without going into the jumbo loan category.

Jumbo loans require a larger down payment and carry a higher interest rate, so this is great news for home buyers!


New limit is $548,250 for a regular one-unit home.

In areas where the median price of homes is higher than average — such as some counties in California, Western Washington, New York as well as other states — the new loan is higher.

The High Balance loan limit is $822,375.

Duplexes, tri-plexes, and four-unit properties also have higher limits.

For a chart showing loan limits in all U.S. counties, click here.

For a really cool map where you can scroll over all the counties in the U.S., click here.


If you want to take advantage of the higher loan limits now instead of waiting for 2021, mortgage brokers have access to this now.

3 thoughts on “New Loan Limits For 2021!

  1. I don’t understand why this would happen. My only guess is the infinite liquidity from the Federal Reserve helping push home prices to infinity … and beyond! With the Covid-19 epidemic and a slew of unemployment claims, this seems like a second bubble. Thank you for the article, as this will get very interesting.

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