Mortgage reference data
The numbers that drive every mortgage — loan limits, fees and thresholds — kept current and verified against the primary source (FHFA, HUD, the VA). Each page cites where the figure comes from and when we last checked it.
2026 Conforming Loan Limits
The 2026 baseline cap is $832,750 (one-unit), up 3.26% — with the full FHFA grid by property type and high-cost area.
2026 FHA Loan Limits
2026 FHA limits run from a $541,287 floor to a $1,249,125 ceiling (one-unit) — 65% and 150% of the conforming limit.
2026 USDA Loan Income Limits
The 2026 standard USDA income limit is $119,850 (1–4 people) and $158,250 (5–8), higher in costly areas — with how it is set and checked.
FHA Mortgage Insurance (MIP) Rates 2026
FHA charges 1.75% upfront plus an annual 0.15%–0.55% MIP — here is the full rate grid and when it falls off.
How Much Is PMI? 2026 Cost & Rates
Private mortgage insurance runs about 0.46%–1.5% a year — roughly $30–$70 a month per $100k. What sets your rate, and how to drop it.
Minimum Credit Score by Loan Type
Conventional 620 · FHA 580 · USDA 640 · VA no set minimum (~620) · Jumbo ~700 — and what beating the minimum gets you.
Down Payment Requirements by Loan Type
Conventional 3% · FHA 3.5% · VA 0% · USDA 0% · Jumbo 10–20% — plus why 20% down still matters.
DTI Limits by Loan Type
Conventional ~45–50% · FHA 43% (up to ~57%) · VA ~41% (flexible) · USDA ~41–44% — the by-type ceilings.