Fannie Mae & Freddie Mac Loan Limits to remain at $417,000 for 2009.

The Federal Housing Finance Agency (FHFA), has stated that the maximum loan limits for Fannie Mae and Freddie Mac will remain at $417,000 for 2009 for most of the United States. However, some higher-cost counties and areas may have higher limits.

Under the Housing and Economic recovery Act of 2008, the national conforming loan limits for the country are determined by changes to the average home sales prices over the previous year – however, they may not go down because of falling home prices. So, even though home prices have fallen in 2008, the loan limits will remain the same.

Loan limits across the country will be as follows:

• 1 Unit $417,000


• 2 Unit $533,850


• 3 Unit $645,300


• 4 Unit 801,950

To see the Fannie Mae and Freddie Mac loan limits, by county, go to: 2009 Loan Limits for All Counties (XLS format).

For a list of the high-cost areas got to: 2009 High-Cost Area Loan Limits (PDF)

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