Quick Read United Wholesale Mortgage and Pennymac preemptively raised their 2026 conforming loan limits to $819,000, exceeding the current $806,500 baseline. The official conforming loan limit is based on the FHFA House Price Index, which shows home price appreciation has slowed. Baseline conforming loan limit, 2000-2025When mortgage rates hit historic lows during the pandemic, soaring home prices pushed the conforming loan limit up by a record $98,950 in 2022, an 18 percent increase from the year before. This year’s 5.21 percent increase in the conforming loan limit was the smallest since 2017, when it inched up 1.7 percent. Before that, the conforming loan limit was static for a decade, as home prices recovered from the Great Recession of 2007-2009.