As of January 1, 2020, the new and increased loan limits for Fannie Mae, Freddie Mac, and FHA are now in place.  Fannie Mae and Freddie Mac loan limits are dictated by the Federal Housing Finance Agency which increased the 2020 loan limits due to the fact that home prices were up nearly 5% over last year’s totals.  Both Fannie Mae and Freddie Mac increased their national conforming loan limit to $510,400, up from $484,350 in 2019.  In addition, there are some markets where home prices are more expensive, that have higher loan limits.  In those areas, the 2020 maximum loan amount was increased to $765,600, up from $726,525 in 2019.

The FHA loan limit also saw an increase.  The new loan limit for most of the country is now $331,760, up from $314,827 in 2019.  In addition, FHA has also increased their 2020 limits for high cost counties.  There are approximately 70 high costs counties where the median home price far exceeds the typical FHA loan.  In these areas, the 2020 loan limit is $765,600, up from $726,525 in 2019.

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