The new conforming loan limits for 2026 have been announced, and Bluefire Mortgage Group are excited to announce that we can now offer conforming loans up to $825,550 starting today.
Why is this important?
This is a significant increase from the 2025 limit of $766,550—about $59,000 more. With this, borrowers are allowed higher loan amounts to still qualify under conventional guidelines.
What does this mean for homebuyers?
In higher-priced markets, such as California, homebuyers often had to either put more money down or use a jumbo loan, which usually means stricter rules, larger down payments, and higher interest rates.
But now, many buyers can stay in the conforming loan box and avoid those obstacles.
For example, let’s assume a borrower is purchasing a home for $860,000:
- With the 2025 loan limit ($766,550): A borrower would have needed nearly 11% down to avoid crossing into jumbo territory.
- With the 2026 loan limit ($825,550): That same buyer can now put only 5% down and still qualify for a conforming loan—a much easier, more affordable option.
The 2026 conforming loan limit increase gives buyers more flexibility, more purchasing power, and a smoother path to financing. If you have further questions, please contact our office at (760) 930-0569 to speak with one of our Mortgage Loan Originators.
