UWM increases a conforming borrow limit to $ 819,000

September 17, 2025

1 2 minutes read

“With this proactive movement, brokers can offer larger loan amounts, so that more borrowers can prevent them from going to a high balance or jumbo loans, which are usually supplied with higher rates and stricter insurance guidelines,” the company said in a statement.

The update pushes the maximum financing of UWM above $ 1 million. New ceilings include: $ 1,048,500 for conventional loans with two units (increased from $ 1,032,650); $ 1,268,000 for conventional loans with three units (increased from $ 1,248,150); and $ 1,575,000 conventional loans with four units (increased from $ 1,551,250).

Each November, the FHFA determines the basic line of the loan scheme that determine the maximum size of mortgages Fannie Mae and fReddie Mac can buy. For 2025, the limit rose by 5.2%, a smaller profit compared to the increase of 5.5% in 2024, as a result of a slower growth in house price.

By increasing conforming limits, more buyers can finance more priced houses with conventional loans-an important lever because affordability problems persist. But it also revives the debate about whether the government supported mortgages should support $ 1 million, a threshold that was first violated in selected areas in 2022.

The move comes in the midst of renewed political attention to loan caps. It was speculated that the Trump administration could insist to reduce the limits of the loan as part of a broader effort to reduce the footprint of the companies sponsored by the government. But FHFA director Bill Pulte rejected that idea in March.

“There are no plans to do anything, because it relates to the conforming limit,” Pulte said CNBC‘s Diana Olick, to put an end to the chatter that the agency could move to significantly reduce the size of loans that Fannie Mae and Freddie Mac can significantly reduce.

Here are the increase in FHFA’s conform limit for loans with one unit for the lower 48 states since 2016.