December 18, 2025
Dear Lending Partners:
The Commission will adopt 2026 new loan limits in accordance with Fannie Mae, Freddie Mac and FHA agency guidelines to our Home Advantage and Covenant first mortgage programs.
- Effective with reservations made on and after December 19, 2025, the new conforming one-unit loan limit of $832,750 for Fannie Mae HFA Preferred and Freddie Mac HFA Advantage will be implemented on our Home Advantage and Covenant first mortgage programs.
- One-unit loan amounts greater than $832,750 and up to $1,063,750 in King, Pierce and Snohomish counties, the high balance add-on fee will apply on our Home Advantage and Covenant Fannie Mae and Gov’t first mortgage loans. See our rate sheet for applicable high-balance fee.
- For FHA the applicable one and two-unit loan limits are effective with case numbers assigned on and after January 1, 2026. The new loan limits will be implemented to our FHA Home Advantage and Covenant first mortgage programs with reservations made on and after January 2, 2026.
- New loan limits of $1,066,250 for two-unit properties (duplexes) and up to $1,361,800 in King, Pierce and Snohomish Counties will be implemented on our Home Advantage and Covenant first mortgage loans. Loan amounts greater than $1,066,250 and up to $1,361,800 in King, Pierce and Snohomish counties, a high balance add-on fee will apply. See our rate sheet for applicable high-balance fee.
Please note: Loan amounts greater than $832,750 (one-unit) or $1,066,250 (two-unit) including high-cost areas, are not permitted with Freddie Mac’s HFA Advantage program.
Questions: Email Corinna Obar