Loan limits for 2026 have increased, with the national baseline conforming loan limit raised to $832,750 and high-cost area ceilings reaching $1,249,125. FHA loan limits also rose, expanding financing options for first-time and moderate-income buyers. These changes will help builders attract a wider buyer pool, boost sales velocity, and allow more new home projects to qualify for favorable loans, especially in key markets like Atlanta, Minneapolis, and Houston.
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