2026 Loan Limits Just Changed, Why Austin Sellers Should Care

KHANI ZULU | BROKER ASSOCIATE, MCNE, CLHMS | January 21, 2026

2026 Loan Limits Just Changed, Why Austin Sellers Should Care

Loan limits matter because they shape your buyer pool, especially around key price thresholds.

Conforming loan limit, 2026

FHFA announced the 2026 baseline conforming loan limit is $832,750 for one-unit properties in most of the U.S. (FHFA.gov)
Translation, more buyers can potentially stay in conventional financing at higher price points, depending on down payment and underwriting.

FHA, 2026 floors and ceilings

HUD notes the 2026 FHA forward mortgage floor is $541,287 and the ceiling is $1,249,125 for one-unit properties. (HUD)
That doesn’t mean everyone qualifies, but it does shape affordability conversations, especially for first-time and payment-sensitive buyers.

Seller takeaway

If you’re near a financing threshold, your pricing strategy should respect it. Sitting just above a common financing comfort zone can shrink your audience fast.

Reach out today to tell me your neighborhood and your target range, and I’ll flag the pricing thresholds that matter most.

With Love from ATX,

Khani Zulu Group