2026 limits · U.S. territories
2026 loan limits for 2-4 units in Puerto Rico and the territories
FHA and conforming limits apply in the territories the same way they do in the states. In Puerto Rico, 38 of 78 municipios sit at FHA's floor of $1,041,125 for a fourplex. Guam and the U.S. Virgin Islands fall under HUD's special-exception ceiling ($3,603,925 for four units), though neither comes close to it.
Puerto Rico
| Municipio | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Adjuntas Municipio | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Aguada Municipio Aguadilla, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Aguadilla Municipio Aguadilla, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Aguas Buenas Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Aibonito Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Anasco Municipio Aguadilla, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Arecibo Municipio Arecibo, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Arroyo Municipio Guayama, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Barceloneta Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Barranquitas Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bayamon Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cabo Rojo Municipio Mayaguez, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Caguas Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Camuy Municipio Arecibo, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Canovanas Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carolina Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Catano Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cayey Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ceiba Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ciales Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cidra Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coamo Municipio Coamo, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Comerio Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Corozal Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Culebra Municipio | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dorado Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fajardo Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Florida Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Guanica Municipio | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Guayama Municipio Guayama, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Guayanilla Municipio Ponce, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Guaynabo Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gurabo Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hatillo Municipio Arecibo, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hormigueros Municipio Mayaguez, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Humacao Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Isabela Municipio Aguadilla, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jayuya Municipio | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Juana Diaz Municipio Ponce, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Juncos Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lajas Municipio Mayaguez, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lares Municipio Lares, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Las Marias Municipio | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Las Piedras Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Loiza Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Luquillo Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Manati Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Maricao Municipio | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Maunabo Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mayaguez Municipio Mayaguez, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Moca Municipio Aguadilla, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morovis Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Naguabo Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Naranjito Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Orocovis Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Patillas Municipio Guayama, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Penuelas Municipio Ponce, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ponce Municipio Ponce, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Quebradillas Municipio Arecibo, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rincon Municipio Aguadilla, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rio Grande Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sabana Grande Municipio Mayaguez, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Salinas Municipio Coco, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| San German Municipio Mayaguez, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Juan Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Lorenzo Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Sebastian Municipio Aguadilla, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Santa Isabel Municipio Coamo, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Toa Alta Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Toa Baja Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Trujillo Alto Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Utuado Municipio Utuado, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Vega Alta Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Vega Baja Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Vieques Municipio | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Villalba Municipio Ponce, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yabucoa Municipio high-cost San Juan-Bayamon-Caguas, PR | $883,300 | $1,067,750 | $1,326,950 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yauco Municipio Ponce, PR | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
Guam
| Area | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Guam high-cost | $721,400 | $872,000 | $1,083,650 | $1,599,375 | $1,933,200 | $2,402,625 |
U.S. Virgin Islands
| Area | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| St. Croix Island | $693,050 | $837,700 | $1,041,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| St. John Island high-cost | $1,435,400 | $1,735,100 | $2,156,300 | $1,599,375 | $1,933,200 | $2,402,625 |
| St. Thomas Island high-cost | $867,150 | $1,048,150 | $1,302,600 | $1,599,375 | $1,933,200 | $2,402,625 |
American Samoa
| Area | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Eastern District | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Manu'a District | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rose Island | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Swains Island | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Western District | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
Northern Mariana Islands
| Area | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Northern Islands Municipality | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rota Municipality | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Saipan Municipality | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tinian Municipality | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |