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CONFORMING LOAN LIMIT FOR U.S. TO REMAIN $417,000 IN 2013, DIFFERENT LIMITS IN SOME AREAS

2013 Mortgage Loan Limits : $417,000 - $625,500

2013 conforming loan limits are the same as from 2012, 2011, 2010, 2009, 2008, 2007 and 2006, with loan limits varying by property-type.

As he number of "units" increase for a property, its conforming loan limit rises. 1-unit homes have the smallest conforming loan limit, a classification which includes single-family residences of all types -- detached homes, row homes, town homes, condos and co-ops.

Multi-unit homes get access to larger loan sizes.

  • 1-unit properties : 2012 conforming loan limit of $417,000
  • 2-unit properties : 2012 conforming loan limit of $533,850
  • 3-unit properties : 2012 conforming loan limit of $645,300
  • 4-unit properties : 2012 conforming loan limit of $801,950

Note that these limits are for conforming mortgages only. FHA loan limits use a different scale.




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