Published by Non-ConformingLoan.com –
Part of the national Browse Lenders® Ecosystem –
Last Updated: September 2025
Part 1: What Is a Non-Conforming Loan Limit?
The non-conforming loan limit refers to any loan amount that exceeds the maximum limit set by the Federal Housing Finance Agency (FHFA) for conforming loans. These conforming limits define the threshold at which a loan is considered “Jumbo” — meaning it’s too large to be purchased by Fannie Mae or Freddie Mac.
🧠 Why Non-Conforming Loans Matter:
- They offer financing above the conforming limit for high-value homes.
- They provide options for self-employed borrowers, real estate investors, or those with non-traditional income.
- They support non-standard properties, like multi-units, vacation homes, or non-warrantable condos.
📈 2025 Conforming Loan Limits (Baseline):
- Single-Family (1-Unit): $766,550
- High-Cost Areas: Up to $1,149,825
(varies by county, based on local median home values)
If you need financing above these limits, you’re looking at a Non-Conforming (Jumbo or Alt-Doc) Loan.
Part 2: 2025 Non-Conforming Loan Limits by State
Below is a state-by-state breakdown showing the base 2025 conforming loan limit of $766,550. If your loan amount exceeds this, it falls into non-conforming territory. Certain counties in high-cost areas (especially in California, New York, D.C., and Hawaii) have elevated limits, which we’ll also address.
🏠 Alabama to California
Alabama
- 📍Statewide Limit: $766,550
- No high-cost areas. Loans above this require a non-conforming loan.
Alaska
- 📍Statewide Limit: $1,149,825
- All of Alaska is considered high-cost due to remoteness and construction costs.
Arizona
- 📍Base Limit: $766,550
- ⛰️ High-Cost: Coconino County only – $829,750
- Non-conforming loans are common in luxury markets like Scottsdale and Paradise Valley.
Arkansas
- 📍Statewide Limit: $766,550
- No high-cost areas.
California
- 📍Base Limit: $766,550
- 🏙️ High-Cost Counties:
- Los Angeles, Orange, Alameda, Santa Clara, San Mateo: $1,149,825
- San Diego: $1,006,250
- Any home over these thresholds requires a non-conforming (jumbo) loan.
🏡 Colorado to Illinois
Colorado
- 📍Base Limit: $766,550
- 🏔️ High-Cost Counties: Boulder, Denver, Eagle: $856,750–$1,006,250
Connecticut
- 📍Base Limit: $766,550
- Select high-cost pockets (Fairfield County): Up to $1,006,250
Delaware
- 📍Statewide Limit: $766,550
District of Columbia
- 📍High-Cost Area: Entire district – $1,149,825
- Nearly all home purchases above $1.1M require a jumbo loan.
Florida
- 📍Base Limit: $766,550
- 🌴 High-Cost Counties:
- Monroe (Key West): $929,200
- Collier (Naples): $881,250
Georgia
- 📍Statewide Limit: $766,550
- Metro Atlanta may have homes requiring jumbo financing despite the limit.
Hawaii
- 📍Entire state considered high-cost
- Max limit: $1,149,825
- Homes in Honolulu, Maui, and Kauai often exceed $1.5M.
Idaho
- 📍Base Limit: $766,550
- Blaine County (Sun Valley): High-cost – $850,000+
Illinois
- 📍Base Limit: $766,550
- Cook, DuPage, and Lake Counties: Up to $840,000
- Chicago luxury properties often require non-conforming loans.
🏘️ Indiana to Montana
Indiana
- 📍Statewide Limit: $766,550
Iowa
- 📍Statewide Limit: $766,550
Kansas
- 📍Statewide Limit: $766,550
Kentucky
- 📍Statewide Limit: $766,550
Louisiana
- 📍Statewide Limit: $766,550
Maine
- 📍Base Limit: $766,550
- Coastal areas (e.g., Bar Harbor) may require jumbo loans.
Maryland
- 📍Base Limit: $766,550
- Montgomery, Prince George’s, and Howard Counties: Up to $1,006,250
Massachusetts
- 📍Base Limit: $766,550
- Boston & Metro: $1,006,250–$1,149,825
Michigan
- 📍Statewide Limit: $766,550
Minnesota
- 📍Statewide Limit: $766,550
- Hennepin & Ramsey Counties: Slight increase possible
Mississippi
- 📍Statewide Limit: $766,550
Missouri
- 📍Statewide Limit: $766,550
Montana
- 📍Base Limit: $766,550
- Gallatin County: High-cost – $850,000+
🏠 Nebraska to Pennsylvania
Nebraska
- 📍Statewide Limit: $766,550
Nevada
- 📍Base Limit: $766,550
- Clark County (Las Vegas): $848,250
- Washoe (Reno): $906,750
New Hampshire
- 📍Base Limit: $766,550
- Rockingham: Slightly higher limits
New Jersey
- 📍Base Limit: $766,550
- Bergen, Essex, Union, and Hudson Counties: $1,006,250–$1,149,825
New Mexico
- 📍Statewide Limit: $766,550
New York
- 📍Base Limit: $766,550
- NYC Metro (Kings, Queens, Bronx, etc.): $1,149,825
- Westchester & Nassau: $1,149,825
North Carolina
- 📍Statewide Limit: $766,550
- Outer Banks properties often exceed limits
North Dakota
- 📍Statewide Limit: $766,550
Ohio
- 📍Statewide Limit: $766,550
Oklahoma
- 📍Statewide Limit: $766,550
Oregon
- 📍Base Limit: $766,550
- Multnomah (Portland): $856,750
- Deschutes (Bend): $882,500
Pennsylvania
- 📍Base Limit: $766,550
- Philly suburbs (Montgomery, Bucks): $845,250–$906,250
🏘️ Rhode Island to Wyoming
Rhode Island
- 📍Statewide Limit: $766,550
South Carolina
- 📍Statewide Limit: $766,550
- Charleston area may require non-conforming loans
South Dakota
- 📍Statewide Limit: $766,550
Tennessee
- 📍Base Limit: $766,550
- Nashville metro may exceed limits
Texas
- 📍Base Limit: $766,550
- Travis (Austin): $881,250
- Collin/Dallas: $856,750
Utah
- 📍Base Limit: $766,550
- Salt Lake County: $882,500
- Summit (Park City): $1,006,250+
Vermont
- 📍Statewide Limit: $766,550
Virginia
- 📍Base Limit: $766,550
- Fairfax, Loudoun, Arlington: Up to $1,006,250
Washington
- 📍Base Limit: $766,550
- King, Snohomish, Pierce: $977,500–$1,149,825
West Virginia
- 📍Statewide Limit: $766,550
Wisconsin
- 📍Statewide Limit: $766,550
Wyoming
- 📍Base Limit: $766,550
- Teton County: $1,149,825
📌 Final Takeaway
If your home loan amount exceeds the 2025 conforming loan limit for your area, you’re officially in non-conforming loan territory — and that’s exactly where Non-ConformingLoan.com comes in.
We’re here to help you:
- ✅ Understand your loan options
- ✅ Navigate unique borrower profiles
- ✅ Connect with only 6 exclusive lenders per state through the Browse Lenders® Ecosystem
