The 2026 baseline is $832,750 in most counties — finance above that and you are in jumbo territory. Here is what Indiana buyers need to know.
Each year the FHFA sets maximum loan amounts that Fannie Mae and Freddie Mac can purchase. Loans at or below these caps are conforming — eligible for agency pricing and guidelines. Anything above is non-conforming, commonly called jumbo.
For 2026, the baseline one-unit limit is $832,750. High-cost counties — primarily coastal and select metro markets — can reach $1,249,125. Multi-unit properties have higher caps at every tier.
The takeaway is simple: know your county limit, know your loan amount, and plan accordingly.
Loan amount ≤ county limit. Agency guidelines apply — lower down payments possible, PMI under 20% down, standard underwriting.
Loan amount > county limit. Investor-specific rules — typically 700+ credit, 10–20%+ down, and post-close reserves.
Some buyers structure a first mortgage at the conforming max plus a second lien. We model both paths when it saves money.
Limits adjust with home prices. A deal that was conforming last year may be jumbo this year if prices and limits moved.
Most Indiana counties use the baseline limit — which means jumbo kicks in above $832,750 on a single-family home.
In markets like Hamilton County, Boone County, and lake communities around Kosciusko and Steuben counties, purchase prices above $850K–$950K are common. With 10–15% down, many of those deals land in jumbo territory even though Indiana is not a high-cost designation.
Ryan and Steve confirm the exact county limit on every file and compare conforming vs. jumbo pricing side by side — so you know your true cost before making an offer.
Read our full Conventional Loan Limits guide →Related jumbo guides from Ryan & Steve.
How jumbo financing works above conforming caps.
Loan amount vs. county limit — with worked examples.
Full conforming limits breakdown for conventional buyers.
Program hub with qualifications and calculator.
2MG Daily
For 2026, the baseline conforming limit for a one-unit home is $832,750 in most U.S. counties. High-cost areas can go up to $1,249,125. Limits for 2–4 unit properties are higher.
Any loan amount above the conforming limit for the property county is jumbo. In most Indiana counties, financing more than $832,750 on a single-family home triggers jumbo underwriting.
Yes. The FHFA updates conforming loan limits annually based on national home-price data. Always confirm the current year limit before locking in your financing plan.
Most Indiana counties use the baseline $832,750 limit. A small number of markets nationwide qualify for elevated high-cost ceilings — Indiana buyers should verify their specific county.
We confirm your county limit and map conforming vs. jumbo options before you shop.
Get Pre-Approved