2026 Loan Limits for Las Vegas and Nevada
Loan limits decide whether a loan is conforming, FHA-eligible or jumbo. Here are the 2026 figures that matter in Clark County, each linked to the official source. Last verified October 10, 2026.
The numbers at a glance
| Program | 2026 one-unit limit | Source |
|---|---|---|
| Conventional (Fannie Mae and Freddie Mac) baseline | $832,750 | FHFA |
| Conventional high-cost ceiling (one unit) | $1,249,125 | FHFA |
| FHA national floor (one unit) | $541,287 | HUD |
| FHA high-cost ceiling (one unit) | $1,249,125 | HUD |
Two-, three- and four-unit limits for most areas are published in the same FHFA and HUD releases. Look up the exact limit for any county with the official FHFA and HUD lookup tools before you make an offer. Limits can change each January.
What the limits mean for you
- Conventional. A loan above the applicable conforming limit is a jumbo loan. Jumbo guidelines vary by lender.
- FHA. The FHA limit applies to the loan amount, not the purchase price. Confirm the limit for Clark County in the HUD lookup, since it depends on the county.
- VA. Veterans with full entitlement have no VA loan limit, although the lender sets its own requirements. See VA loans.
This page is general information, not a loan offer or a commitment to lend. Your loan options depend on your full application and underwriting.
Questions people ask.
For most of the country, FHFA set the 2026 one-unit baseline at $832,750, with a ceiling of $1,249,125 in the highest-cost areas.
Yes. FHA publishes county limits each year, with a national one-unit floor of $541,287 for 2026. Check HUD's lookup for the exact Clark County figure.
Not for veterans with full entitlement. Lenders still apply their own credit, income and down payment requirements.
Find out where you actually stand.
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