Freddie Mac Single-Family Seller/Servicer Guide 4603.2 — Minimum and maximum original loan amounts for super conforming Mortgages
Freddie Mac Single-Family Seller/Servicer Guide section 4603.2 — Minimum and maximum original loan amounts for super conforming Mortgages. Full verbatim section text, substring-verified against snapshot 5869ee9e606cd4ae.
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Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 4603.2 — Minimum and maximum original loan amounts for super conforming Mortgages — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
Freddie Mac Single-Family Seller/Servicer Guide 4603.2 — Minimum and maximum original loan amounts for super conforming Mortgages
The following minimum and maximum original loan amounts apply to Mortgages secured by properties in High-Cost Areas (“super conforming Mortgages”) that have Freddie Mac Funding Dates or Settlement Dates on or after January 1, 2026 and on or before December 31, 2026: Minimum/maximum original loan amounts for super conforming Mortgages Units Properties in the 48 contiguous States, the District of Columbia and Puerto Rico Properties in Alaska, Hawaii, Guam and the U.S. Virgin Islands** Minimum loan amount Maximum loan amount Minimum loan amount Maximum loan amount Permanent (HERA)* Permanent (HERA)* 1 $832,751 $1,249,125 $1,249,126 $1,873,675 2 $1,066,251 $1,599,375 $1,599,376 $2,399,050 3 $1,288,801 $1,933,200 $1,933,201 $2,899,800 4 $1,601,751 $2,402,625 $2,402,626 $3,603,925 *These are the maximum potential loan limits for designated High-Cost Areas, as determined under the provisions of the Housing and Economic Recovery Act of 2008 (HERA). Actual loan limits are established for each county (or equivalent) and the loan limits for specific High-Cost Areas may be lower. The original principal balance of a Mortgage must not exceed the maximum loan limit for the specific area in which the Mortgaged Premises is located. For specific loan limits for each High-Cost Area, as released by FHFA, visit: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limit.aspx. **The only two counties in Alaska, Hawaii, Guam and the U.S. Virgin Islands that are High-Cost Areas in 2026 are Maui and Kalawao. For super conforming Mortgages, the Seller must use the loan amount of the Mortgage stated in the Note to determine compliance with the maximum loan limits stated above.
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Source of record: https://claudeforcompliance.com/regs/fhlmc-4603-2/
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