If you’re planning to buy a home in 2026, great news — your buying power is getting a boost.
The Federal Housing Finance Agency (FHFA) has announced a 3.26% increase to conforming loan limits effective January 1, 2026.
This change matters because it allows well qualified homebuyers to borrow more while still staying under the guidelines of a standard conventional loan — which often means fewer restrictions and lower costs compared to jumbo financing.
What’s the New Loan Limit for 2026?
For a 1-unit home in most of the United States — including Brevard County and the Space Coast — the new maximum conforming loan limit will be:
🏡 $832,750
That’s over $26,000 more in potential purchasing power compared to 2025.
Why This Matters for Florida Buyers
Higher loan limits can make homeownership more accessible by:
✔ Expanding the inventory you may qualify for
✔ Reducing the need for large down payments
✔ Keeping borrowers in conforming loan programs instead of jumbo
✔ Potentially helping first-time buyers access better terms
In a competitive market like Brevard County — where demand remains strong — this additional flexibility is a win for buyers who want to stay local or relocate to the Space Coast.
Is 2026 the Right Time to Buy?
Every buyer’s financial situation is different, but as home values continue to rise, getting into the market sooner often leads to more long-term equity and options down the road.
If you’re starting to plan a move — whether you’re:
✨ Upsizing for a growing family
✨ Relocating for work on the Space Coast
✨ Buying your first Florida home
— it pays to understand how these updated loan limits impact your budget.
See What You Qualify For
Morgan Financial is here to help you secure a loan that fits your goals — fast, enjoyable, and consistent, every step of the way.
👉 Contact us today to find out what you qualify for under the 2026 loan limits.
📞 321-757-3570
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Equal Housing Lender | NMLS # 318525
This content is for informational purposes only and does not constitute financial or legal advice. It is not a commitment to lend. All loans are subject to credit approval and underwriting guidelines. Not all applicants will qualify. Only licensed in the state of Florida. Always consult with a licensed mortgage professional before making financial decisions.
