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.
Plain-English explanation
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.
What can change the answer?
FHFA county limits update annually. Confirm against the current FHFA conforming loan limit lookup before structuring an offer.
Want the real answer for your conventional file?
Conventional guidelines are the rule. Your credit, income, DTI, PMI, LLPAs, and Florida payment math are what decide the actual answer.
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.