2026 Loan Limits
Filed under: Mortgage Rates
What is going to happen with loan limits in 2026? The good news is that loan limits are going up across the nation, including here in Riverside County. I’m passing this information along to you so you can know your options if you are planning to buy a home in the new year.
Loan Limits are Going Up in 2026
Here in Riverside County, the expected amount for the new conventional loan limit is going to be $819,000. Keep in mind that the official number will be coming out shortly, and my team is here to keep you in the loop.
FHA and VA usually increase their limits when conventional limits increase, so we expect to see good changes happening there, too.
What Do Higher Loan Limits Mean for You?
For buyers, a higher loan limit means that you can access more purchasing power with less money down. For sellers, it means that there are more buyers in your pool because of additional lending options. For example, these higher limits allow prospective buyers in the $800k – $900k range to use conventional financing versus jumbo financing, which makes the loans more accessible to more people.
Let’s Explore Your Custom Options
If you want to know more about what the increase in loan limits could mean for you, I’m happy to introduce you to one of our lender partners who can explain everything. It’s helpful to talk to an expert to see how much you might be able to qualify for and what the numbers will look like for your unique situation.
Don’t worry: I’ll keep you posted as more information comes out, and we have finalized numbers for the different loan programs. My team is always here to answer your questions, so feel free to reach out any time if you are thinking about buying or selling a home in Temecula. Call, text, or email me: (951) 473-0390 or [email protected]