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Announcement 19-0089: Maximum Loan Limits for 2020 – Conventional Products

December 3, 2019


The Federal Housing Finance Agency (FHFA) has issued the following maximum first mortgage loan limits that will apply to conventional loans for acquisition by Fannie Mae / Freddie Mac with a note date on and after January 1, 2020.

2020 Conventional Loan Limits
Units Conforming Amount - Contiguous States and District of Columbia Conforming Amount -
Alaska and Hawaii
One $510,400 $765,600
Two $653,550 $980,325
Three $789,950 $1,184,925
Four $981,700 $1,472,550

The Carrington Pricing Engine has been updated to price and lock loans with the new higher conventional loan limits.  To take advantage of the higher limits, CMS must fund and sell the loans to Fannie Mae/Freddie Mac on and after January 1, 2020 and loans will be conditioned so they cannot close until January 1, 2020 or after.

Please note: the 2020 loan limits for FHA Loans and VA Loans will be communicated in the near future once the Agencies make an announcement.


Please contact with any questions.

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