Conforming Loan Limits in Montgomery County, Texas

Every year the Federal Housing Finance Agency sets the largest loan Fannie Mae and Freddie Mac will buy. That number is the conforming loan limit, and it decides which kind of loan a home purchase or refinance lands in. For 2026, the baseline limit for a one-unit home is $832,750 (FHFA, November 25, 2025).

Montgomery County isn’t one of the high-cost areas that get a higher ceiling, so the baseline figure is the one that applies here, in Montgomery, Conroe, Willis, Magnolia and around Lake Conroe. You can confirm any county on the FHFA’s conforming loan limit map and county list.

When the 2027 number comes out

The FHFA announces the next year’s limits in late November. The 2026 figures were published on November 25, 2025. Some lenders have posted their own early numbers for 2027, but those are lender policies, not the FHFA’s figure. Until the agency publishes, the official limit is the 2026 one above. This page will carry the 2027 figure once the FHFA releases it.

What the limit actually measures

The limit applies to the loan amount, not the price of the house. A buyer can purchase a home priced well above the limit and still have a conforming loan, as long as the amount borrowed stays at or under it.

A worked example, with round numbers:

• One buyer borrows $750,000. That’s under the 2026 limit of $832,750, so it is a conforming loan.
• A neighbor buying a similar home borrows $850,000. That’s over the limit, so the loan isn’t conforming, even though the two houses may be priced alike.

And a homeowner who isn’t buying or refinancing isn’t affected at all. The limit only applies when a new loan is made.

What changes above the line

A loan above the conforming limit is usually called a jumbo loan. Fannie Mae and Freddie Mac don’t buy them, so each lender sets its own rules. In general, jumbo guidelines can differ from conforming ones on:

• how much cash reserve a borrower is asked to show after closing
• the credit history and documentation the lender reviews
• whether a second appraisal is ordered on higher-priced homes

None of those are fixed amounts. They vary by lender and by loan, which is why the line between conforming and jumbo is worth knowing before an offer goes in, not after.

If you do nothing

A new limit takes effect on its own each January for loans Fannie Mae and Freddie Mac buy that year. Nobody has to apply for it. A homeowner with an existing mortgage sees no change to that loan.

Things to check

• The likely loan amount, not the list price. That’s the number the limit is measured against.
• How close you sit to the line. A loan a few thousand dollars over the limit is a jumbo loan, the same as one far over it.
• The unit count. Two-, three- and four-unit properties have higher limits than a single-family home. The FHFA publishes each one.
• The calendar. A purchase that closes near the turn of the year may fall under either year’s limit. Ask your lender which one your loan will be written under.

How this fits the rest of the process

The loan limit is one line on a long checklist. Appraisal, credit and the type of property all play a part. For more on those, see the main kinds of conventional loans, the Texas appraisal process and the loans Crystal Clear Mortgage offers. If you want to talk through where your numbers fall, the team is here.

This article explains how the conforming loan limit works. It is general information, not financial, tax or legal advice, and it is not an offer or a commitment to lend. Figures are from the Federal Housing Finance Agency as of the dates cited.