2026 FHA Loan Limits: Important Update for Polk County Buyers

Polk County homebuyers, here’s an important update from the FHFA: the 2026 conforming loan limits (CLLs) have been announced. For most of the country, the baseline one-unit property limit is now $832,750, up $26,250 from 2025.

High-cost areas have a maximum limit of $1,249,125, while Alaska, Hawaii, Guam, and the U.S. Virgin Islands have ceilings of $1,873,675. These adjustments follow a 3.26% increase in average U.S. home values over the past year.

These new limits are critical for anyone planning to buy a home or refinance with Fannie Mae or Freddie Mac. Check the FHFA CLL Map to see specifics for your county.

American Liberty Mortgage Polk is here to help you understand and take advantage of the latest loan limits.