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A History of Conforming (Fannie/Freddie) Loan Limits

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A History of "Conforming" (FNMA/FHLMC) Loan Limits

Every year, new loan limits are announced for mortgage loans which may be purchased by the Federal National Mortgage Association (FNMA, or Fannie Mae) and the Federal Home Loan Mortgage Corporation (FHLMC, or Freddie Mac). Fannie Mae and Freddie Mac are the two largest "secondary market" agencies -- corporations which purchase closed loans from mortgage lenders.

The last column refers to the loan amount column (abbreviated MAX AMT) which appears in HSH's consumer and professional reports on the mortgage market.

Click here for the current year and further explanation.

YearOne
Family ($)
Two
Family ($)
Three
Family ($)
Four
Family ($)
As Listed
In HSH Reports
2015417,000533,850645,300801,950417
2014417,000533,850645,300801,950417
2013417,000533,850645,300801,950417
2012417,000533,850645,300801,950417
2011417,000533,850645,300801,950417
2010417,000533,850645,300801,950417
2009417,000533,850645,300801,950417
2008417,000533,850645,300801,950417
2007417,000533,850645,300801,950417
2006417,000533,850645,300801,950417
2005359,650460,400556,500691,600359
2004333,700427,150516,300641,650333
2003322,700413,100499,300620,500322
2002300,700384,900465,200578,150300
2001275,000351,950425,400528,700275
2000252,700323,400390,900485,800252
1999240,000307,100371,200461,350240
1998227,150290,650351,300436,600227
1997214,600274,550331,850412,450214
1996207,000264,750320,050397,800207
1995203,150259,850314,100390,400203
1994203,150259,850314,100390,400203
1993203,150259,850314,100390,400203
1992202,300258,800312,800388,800202
1991191,250244,650295,650367,500191
1990187,450239,750289,750360,150187
1989187,600239,950290,000360,450187
1988168,700215,800260,800324,150168
1987153,100153
1986133,250133
1985115,300115
1984114,000114
1983108,300108
1982107,000136,800165,100205,300107
198198,500126,000152,000189,00098
198093,75093

 

Note: Maximum loan amounts are 50% higher in Alaska and Hawaii.

Source: FHFA, FNMA, FHLMC

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