Conforming Loan Amount Limits 2025. The “total (subsidized and unsubsidized)” column shows the maximum combined outstanding subsidized and unsubsidized loan debt for a student. The baseline conforming loan limit for 2025 is $766,550, an increase of $40,350 from 2025.

The new conforming loan limit set by the fhfa for 2025 is $766,550 (a hike of $40,350 compared to 2025’s baseline amount of $726,200). (mip) generally range between 0.45% to 1.05% of the loan amount.