The Federal Housing Finance Agency increased conforming loan limits for 2026, and if you’re a veteran using your VA benefit or a pilot planning a home purchase this year, these numbers directly affect what you can borrow.
I covered the full breakdown in AeroCrew News — here are the numbers that matter most to my clients:
The 2026 Numbers
The standard conforming loan limit for 2026 is $806,500. In designated high-cost counties, the limit rises to $832,750.
Why This Matters for VA Loans
VA loan entitlement is calculated as 25% of the conforming loan limit. That means full entitlement in 2026 is $208,187.50 — up from prior years. For veterans using second-tier (remaining) entitlement, this higher baseline means a larger no-down-payment ceiling on your next VA purchase.
For veterans with full entitlement, there is no loan limit — you can borrow any amount with zero down, qualified on income and credit alone. The conforming limit only matters when calculating remaining entitlement on a second simultaneous VA loan.
Why This Matters for Pilots on Conventional Loans
If you’re purchasing above the conforming limit, you move into jumbo loan territory — which carries different underwriting standards, higher reserve requirements, and typically a slightly higher rate. Knowing the limit helps you structure your purchase to stay within conforming guidelines where possible, maximizing your rate and qualification options.
Read the full article on AeroCrew News here.
Questions about how the 2026 limits affect your specific purchase? I run this calculation for every client before they start house hunting.
Contact Spencer | (877) 874-3368
Spencer Wartman | NMLS #2109932 | Trident Home Loans NMLS #65716
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