2026 Conforming Loan Limit Increases

The Federal Housing Finance Agency (FHFA) has announced the new 2026 conventional conforming loan limit, and it brings a major advantage to homebuyers in Tulsa and across Oklahoma. The loan limit for a one-unit single-family home is now $832,750, an increase of more than $25,000 from last year.

For buyers, this means greater purchasing power without needing a jumbo loan. Jumbo loans remain a great option for higher-budget buyers, but they typically require larger down payments, stronger credit, and more documentation. With the higher conforming loan limit, more Tulsa homebuyers can stay in the conventional category—often resulting in smoother approvals, lower mortgage insurance, and more affordable payment options.

Why This Matters in the Tulsa Market

As home prices continue to rise in Tulsa, Bixby, Jenks, Broken Arrow, and the surrounding Oklahoma communities, this increased limit allows buyers to finance higher-priced homes using a conventional loan instead of jumping straight into jumbo financing.

Government Loan Updates Coming Soon

FHA Loan Limits
FHA will release their updated 2026 loan limits soon. These limits determine the maximum price a buyer can finance through FHA and typically apply starting January 1.

VA Loan Guidelines
VA loans do not have a set maximum loan amount, but the new conforming loan limit impacts how VA calculates entitlement for buyers without full entitlement. Updated VA guidance is expected soon.

USDA Loan Limits
USDA updates their income and loan limits after January 1 each year. These limits determine both loan eligibility and maximum loan amounts.

As an Oklahoma mortgage lender serving the Tulsa metro, we will share updates as soon as they are released.

If you have a client who may benefit from the higher conforming loan limit or wants to compare conventional vs. jumbo options, our team is ready to run numbers and help you strategize.  Click here to book a phone chat with me now. Or call/text me at 918-361-1550.



Location: Tulsa, OK, USA

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