KHANI ZULU | BROKER ASSOCIATE, MCNE, CLHMS | January 21, 2026
Loan limits matter because they shape your buyer pool, especially around key price thresholds.
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.
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.
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
Stay up to date on the latest real estate trends.
Buyer info
October 21, 2026
A new perspective on city living, where established neighborhoods, cultural energy, and a more personal sense of home come together.
Buyer info
October 20, 2026
A neighborhood where independent spirit, historic charm, and the creative pulse of Austin come together.
Buyer Education
October 19, 2026
Slow mornings, neighborhood favorites, leafy streets, and afternoons shaped by art and nature. In Tarrytown, the best weekends are often found in the simple pleasure o… Read more
Buyer info
October 16, 2026
Two distinctive expressions of West Austin luxury. One offers established streets, mature trees, and an in-town rhythm. The other opens the door to Hill Country landsc… Read more
Art & Culture
October 15, 2026
In Clarksville, creativity is woven into the neighborhood’s everyday rhythm, from intimate galleries and historic homes to contemporary art, independent spaces, and cu… Read more
Lifestyle
October 14, 2026
A neighborhood where family life feels connected to nature, community, and the city without sacrificing the sense of calm that makes home feel like home.
Lifestyle
October 13, 2026
When the lake becomes part of everyday life, home feels less like a place you return to and more like a lifestyle you never have to leave.
Lifestyle
October 12, 2026
The most valuable things in Tarrytown are often the ones you notice slowly: mature trees, privacy, architectural character, lake access, and the rare feeling of being … Read more
Buyer Education
October 10, 2026
In a changing market, the right preparation, pricing, and presentation can make all the difference in how buyers see your home.
Get In Touch With Our Team To Learn More
