What is the conventional loan limit for 2-4 unit properties?
Multi-unit conforming loan limits scale up from the 1-unit baseline. The 2026 one-unit baseline is $832,750; 2-, 3-, and 4-unit limits are progressively higher. Verify exact figures against the current FHFA/Fannie/Freddie tables before structuring offers.
What this actually means.
FHFA publishes separate conforming limits for 1-unit, 2-unit, 3-unit, and 4-unit properties. Each step up has a higher limit. We're keeping these directional rather than hardcoding numbers because the multi-unit table updates with the baseline each year. Confirm current figures with the FHFA conforming loan limit lookup before writing on a 2-4 unit property in Florida. Subject to FHFA-published limits.
Where this can move.
FHFA county limits update annually. Confirm against the current FHFA conforming loan limit lookup before structuring an offer.
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More conventional questions on Loan Limits.
Educational only. Conventional loan guidelines, lender overlays, rates, fees, PMI, LLPAs, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with Fannie Mae, Freddie Mac, FHFA, or any government agency.