Loan Limits (Maximum Loan Amounts)

Conventional Loan Limits

Fannie Mae and Freddie Mac are the government-sponsored enterprises which purchase pools of conventional loans that meet their guidelines. Each year they set conforming loan limits which limit the maximum loan size that they will purchase. Loan limits vary based on area and property type. Loan amounts exceeding the conforming loan limits are referred to as Jumbo loans.

FHA Loan Limits

FHA loan limits are typically much lower than conventional loan limits and are subject to borrowers putting at least 3.5% down. Click here to see the current FHA loan limits.

USDA Rural Development Loans (0% Down)

USDA loans do not impose maximum loan amounts, however, they do have income limits and are only available in designated rural areas. To see if your income meets the RD income limits or a property is eligible for the RD loan you can click on the links included.

VA Loan Limits (0% Down)

In 2020, the VA removed their maximum loan limits for qualifying Veterans with full entitlement. This means that Veterans can now purchase upper-end properties with zero down payment required.


Our Home Loan Specialists are available to answer any question you have about any home loan program. Call one of our Home Loan Specialists at (208) 388-0500 or get started online by clicking the button below.