2026 Conforming Loan Limits: What Homebuyers in Denver Should Know

The U.S. Federal Housing Finance Agency (FHFA) has released the conforming loan limits (CLLs) for 2026, and Denver homebuyers have reason to pay attention. For most of the U.S., the baseline loan limit for a single-unit property will rise to $832,750, up $26,250 from last year.
High-cost areas, where home prices are above the national baseline, have a ceiling limit set at $1,249,125 for one-unit properties. Special provisions also apply for Alaska, Hawaii, Guam, and the U.S. Virgin Islands.

These updated limits reflect a 3.26% increase in average home prices nationwide, ensuring that buyers in competitive markets like Denver have access to higher conforming loan amounts through Fannie Mae and Freddie Mac.

For a county-by-county look at the 2026 CLLs, check out the FHFA map.
American Liberty Mortgage Denver is ready to help you navigate these new limits and find the right mortgage option for your dream home.