Conventional lending run through DU and LPA, priced off the agency sheet. The 2026 one-unit limits are $832,750 baseline and $1,249,125 in high-cost counties; two-to-four unit properties are higher and the schedule moves each January.
HomeReady and Home Possible are available inside the area median income limit and are worth checking before you price a conventional loan with mortgage insurance.
Program highlights
Figures are the programme maximum at a glance. A file rarely qualifies at the maximum on two axes at once, and the guideline in force on the lock date governs. Nothing here is a commitment to lend.
Questions
Yes — run it both ways and send whichever comes back eligible. A refer on one engine is not a decline on the file.
On a case basis and only where the agency guideline allows it. Send the appraisal and the desk will confirm before you order anything else.
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