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Loan Limits for 2018 Are Increasing

November 28, 2017

In line with the Federal Housing Finance Agency (FHFA) announcement today, we're increasing our maximum base conforming and high-cost area loan limits on January 1, 2018.

We will purchase mortgages secured by properties not located in designated high-cost areas with original loan amounts up to the following limits:

Number of UnitsMaximum base conforming loan limits for properties NOT in Alaska, Hawaii, Guam & U.S. Virgin IslandsMaximum base conforming loan limits for properties in Alaska, Hawaii, Guam & U.S. Virgin Islands
  2018 2017 2018 2017
1 $453,100 $424,100 $679,650 $636,150
2 $580,150 $543,000 $870,225 $814,500
3 $701,250 $656,350 $1,051,875 $984,525
4 $871,450 $815,650 $1,307,175 $1,223,475

For super conforming mortgages secured by properties located in designated high-cost areas, we will purchase mortgages with original loan amounts up to the following limits:

Number of UnitsMaximum loan amount for properties NOT in Alaska, Hawaii, Guam & U.S. Virgin IslandsMaximum loan amount for properties in Alaska, Hawaii, Guam and the U.S Virgin Islands
  2018 2017 2018 2017
1 $679,650 $636,150 $1,019,475 $954,225
2 $870,225 $814,500 $1,305,325 $1,221,750
3 $1,051,875 $984,525 $1,577,800 $1,476,775
4 $1,307,175 $1,223,475 $1,960,750 $1,835,200

We'll update the Freddie Mac Single-Family Seller/Servicer Guide in December to reflect the 2018 loan limits.  

Originating mortgages and taking out contracts before January 1, 2018

  • We'll update Freddie Mac Loan Product Advisor® on December 3, 2017, so you may begin originating mortgages with the 2018 loan limits immediately. However, mortgages meeting the higher 2018 limits are not eligible for sale to Freddie Mac until on or after January 1, 2018.

  • Loan Selling AdvisorSM (formerly Freddie Mac Selling System®) will be updated on December 3, 2017, but for loans originated using the 2018 limits that are ineligible under the 2017 limits, please note the following:

    • If you plan to do a Best Efforts Cash execution, you should not take out a commitment until January 1, 2018, because Loan Selling Advisor will evaluate these loans using the 2017 limits and assess 2017 fees.

    • For Mandatory Cash and for Guarantor executions, you may take out a contract prior to January 1, but you must select a Freddie Mac funding/settlement date in 2018 to ensure the credit fee in price is accurate and the mortgage is eligible for purchase.

Check the loan limits for specific high-cost areas

As a reminder, actual loan limits for certain high-costs areas, as determined by FHFA, may be lower than the maximum high-cost area limits identified above.

If you are originating super conforming mortgages, it is important you check the loan limits for the specific county where the property is located. The 2018 loan limits for high-cost areas are available on the FHFA website.

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