Non-Jumbo Loan Limit in 2026 raised to $1,249,125 for DC Metro Area | Northern Virginia Real Estate Market

When asking the question, "How is the Northern Virginia Real Estate Market?", part of the answer is to consider the current and future trend of mortgage interest rates. A related topic is the annual Federal loan limit for non-Jumbo mortgage loans.

➡️ The Federal Housing Finance Administration (FHFA) just announced that the 2026 Conforming Loan Limit for High Cost Areas is $1,249,125.  This amount is a 3.25% increase to the 2025 High Cost Area Loan Limit.

➡️ The entire DC Metro Area is covered by the High Cost Loan Limit.  .

➡️ Fannie Mae & Freddie Mac are restricted to purchasing single-family mortgages with initial balances below the Loan Limit.  Loans above the Loan Limit are considered Jumbo Loans.

Bella Casa Partners - FHFA Raises Non-Jumbo Loan Limits for 2026 in Northern Virginia

Bella Casa Partners - FHFA Raises Federal Non-Jumbo Loan Limits in 2026 for DC Metro Area

🤔🙋🏼‍♂️ WANT TO SEE MORE MARKET ANALYSIS?  For my most recent Deep Dive into Buyer activity, high Active House for sale Inventory & Days on Market in the Northern Virginia market, and the (lack of) impact of the Government Shutdown on Buyer activity compared to 2024, check out my early November 2025 NoVA Market Update.

The next deep dive NoVA Market analysis update will be posted on Thanksgiving weekend.

See more market news, insight, & analysis on my "How's the Market?" Blog at bellacasapartners.com/marketnews.