As of Nov. 10, 2026, the Federal Housing Finance Agency has not announced the 2027 conforming loan limits. The 2026 one-unit limit is $832,750 in every Texas county; loans above that are generally jumbo loans. FHFA sets the new limit from home-price data for the third quarter, which it is scheduled to publish on Nov. 24, 2026.
2027 limits not announced yet
FHFA's news release page shows no 2027 conforming loan limit announcement as of Nov. 10, 2026. Last year, FHFA announced the 2026 limits on Nov. 25, 2025, and HousingWire notes the agency typically publishes the next year's limits in late November.
By law, the baseline limit moves with the change in average U.S. home prices measured by FHFA's House Price Index between the third quarters of consecutive years. FHFA has scheduled its Q3 2026 index release for Nov. 24, 2026, so the 2027 limits may arrive around that time.
The 2026 limits in Texas
For 2026, FHFA set the baseline one-unit limit at $832,750, up $26,250 from $806,500 in 2025, a 3.26% increase that matched its home price index. The high-cost ceiling is $1,249,125 (150% of the baseline). According to FHFA's 2026 county loan limit file, all 254 Texas counties are at the baseline, including Austin, Dallas and Houston-area counties.
- One-unit: $832,750
- Two-unit: $1,066,250
- Three-unit: $1,288,800
- Four-unit: $1,601,750
What the data hint at for 2027
FHFA's House Price Index rose 2.4% from August 2025 to August 2026 and 2.1% year over year in the second quarter, slower than the 3.26% gain behind the 2026 limit. If the third-quarter number lands in a similar range, the 2027 increase could be smaller than last year's. That is not a forecast of the final figure, which depends on the Q3 data FHFA has not yet released.
Some lenders are not waiting. HousingWire reported on Sept. 10, 2026 that CrossCountry Mortgage and Rocket Mortgage raised their internal conforming limits to $845,000, $12,250 above the 2026 limit. Lenders that do this take on the risk that FHFA's final number differs, and terms vary by lender.
Conforming vs. jumbo: why the line matters
A loan at or below the conforming limit can be sold to Fannie Mae or Freddie Mac. Above it, a loan is generally a jumbo loan, which lenders hold or sell privately, often with stricter credit, reserve and down payment requirements. A higher limit can let some borrowers stay in a conventional conforming loan instead.
Pricing does not always favor conforming loans. In the MBA's weekly survey for the week ending Oct. 30, 2026, the average 30-year jumbo contract rate was 7.20% with 0.48 point, versus 7.30% with 0.75 point for conforming loans. Individual offers depend on credit, down payment and the lender.
What this means for Texas borrowers
Because every Texas county uses the baseline limit, the 2027 number will apply statewide. Buyers whose loan amount sits just above $832,750 might qualify for conforming financing once the 2027 limit takes effect, if it rises enough. If you are near the line, ask a loan officer to quote both a jumbo loan and a conforming option, and how timing affects each.
Owners of two- to four-unit properties get higher limits too, which can help investors and house-hackers. Self-employed buyers can review self-employed loan options, and anyone can model payments with our rate calculator. When you are ready, find a loan officer to compare quotes. Check back after FHFA announces the official 2027 limits.
Sources
- FHFA Announces Conforming Loan Limit Values for 2026, Federal Housing Finance Agency (November 25, 2025)
- Full County Loan Limit List 2026 (CSV), Federal Housing Finance Agency (November 25, 2025)
- FHFA House Price Index Up 0.3 Percent in August; Up 2.4 Percent from Last Year, Federal Housing Finance Agency (October 27, 2026)
- U.S. House Prices Rise 2.1 Percent Year over Year; Up 0.3 Percent Quarter over Quarter, Federal Housing Finance Agency (August 25, 2026)
- CrossCountry lifts internal conforming loan limit to $845K, HousingWire (September 10, 2026)
- Mortgage Applications Decrease in Latest MBA Weekly Survey, Mortgage Bankers Association (November 4, 2026)
This article is for general information about the mortgage market and is not financial, legal or tax advice. Figures come from the sources listed and may have changed since publication. Rates and averages cited are published market data, not an offer or HomyLoan rates. HomyLoan, LLC is a licensed mortgage broker, Company NMLS 2783307, not a lender. All loans are subject to credit approval and program guidelines. Equal Housing Opportunity.
