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FHFA Loan Limits Approach $1.25 Million in DC Region

  • December 1st 2025

by UrbanTurf Staff

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Last week, the Federal Housing Finance Agency (FHFA) announced an increase to mortgage loan limits for next year, and in the DC region, those limits continue to rise. 

In 2025, Fannie Mae and Freddie Mac will be able to acquire mortgages of up to $832,750 for a single dwelling unit in the U.S., an increase from the 2025 maximum of $806,500. The nationwide mortgage loan limit has increased by $420,000 since 2016, when it rose for the first time in a decade.

The loan limits in the immediate DC area will be $1,249,125, up from $1,209,750 last year. 

Government Sponsored Enterprises (GSEs) like Fannie Mae and Freddie Mac guarantee many mortgages nationwide, often at lower costs and with more favorable lending terms. However, because they are legally bound to only accept loans of a certain amount, the increased loan limits make GSE loan underwriting more accessible to a larger pool of homebuyers.

This article originally published at https://dc.urbanturf.com/articles/blog/fhfa_loan_limits_approach_125_million_in_dc_region/24113.

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