Kings County loan limits 2026New York: FHA, VA and conforming
For 2026, the conforming loan limit in Kings County, New York is $1,209,750 for a one-unit home, above the $832,750 national baseline because FHFA treats the area as high-cost (FHFA). The FHA forward mortgage limit is $1,249,125, the national ceiling (HUD). VA sets no loan limit for a veteran with full entitlement; with remaining entitlement, VA uses the $1,209,750 county limit.
Kings County loan limits by number of units
| Units | Conforming 2026 | FHA 2026 |
|---|---|---|
| 1 unit | $1,209,750 | $1,249,125 |
| 2 units | $1,548,975 | $1,599,375 |
| 3 units | $1,872,225 | $1,933,200 |
| 4 units | $2,326,875 | $2,402,625 |
Conforming limits, announced November 25, 2025, apply to loans Fannie Mae and Freddie Mac acquire from January 1. FHA limits for 2026 apply to case numbers assigned on or after January 1. A lender may set lower maximums.
How Kings County compares
Kings County, New York's 2026 conforming limit of $1,209,750 is the highest of 62 counties in New York. 10 counties in New York are above the baseline, up to $1,209,750. Nationally the one-unit limit runs from $832,750 to the $1,249,125 high-cost ceiling, higher in Alaska and Hawaii.
FHA: Kings County, New York's $1,249,125 is the highest in New York, and 10 counties of 62 in New York are above the floor (state range $541,287 to $1,249,125).
Every county of a metropolitan area gets the same conforming limit. Kings County, New York shares its limit with Bergen County, NJ, Essex County, NJ, Hudson County, NJ, Hunterdon County, NJ, Middlesex County, NJ, Monmouth County, NJ, Morris County, NJ, Ocean County, NJ, Passaic County, NJ, Somerset County, NJ, Sussex County, NJ, Union County, NJ and 9 more counties.
FHA loan limit in Kings County
HUD's median home price for New York-Newark-Jersey City, NY-NJ is $996,000; 115 percent of it exceeds the $1,249,125 ceiling, so the ceiling applies. HUD sets FHA limits by metropolitan area and county; Kings County, New York is in HUD's New York-Newark-Jersey City, NY-NJ area.
For 2026, HUD's national floor is $541,287 (65 percent of the $832,750 conforming limit) and the ceiling is $1,249,125 (150 percent), with a higher ceiling in Alaska, Hawaii, Guam and the U.S. Virgin Islands. The statute caps a one-family FHA loan at 115 percent of the area median, within those bounds (12 U.S.C. 1709(b)(2)).
VA loan limit in Kings County
Since January 1, 2020, there are no county loan limits for veterans with full VA home loan entitlement. County limits still apply to veterans who have used entitlement and not restored it. For them VA uses FHFA's one-unit conforming limit, $1,209,750 in Kings County, New York for 2026, even when buying a 2 to 4 unit property.
VA's method: remaining entitlement is 25 percent of the county limit minus the entitlement already used and not restored. With $50,000 in use: $302,437.50 minus $50,000 is $252,437.50. VA loans are often pooled in securities that require a 25 percent guaranty, so without a down payment lenders often limit the loan to four times the remaining entitlement: $1,009,750 here. The county limit does not apply to an Interest Rate Reduction Refinance Loan (IRRRL): above $144,000, VA guarantees 25 percent of an IRRRL regardless of entitlement (VA Circular 26-25-10).
Loan limits in nearby counties
All New York counties · Loan limits in every state
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National pages: conforming loan limits · FHA loan limits · VA loan limits · jumbo loan limit
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Questions about Kings County loan limits
What is the conforming loan limit in Kings County for 2026?
$1,209,750 for a one-unit home, $1,548,975 for two units, $1,872,225 for three and $2,326,875 for four, effective January 1, 2026. These are the largest loans Fannie Mae and Freddie Mac can buy in Kings County, New York (announced November 25, 2025).
What is the FHA loan limit in Kings County?
$1,249,125 for one unit, $1,599,375 for two, $1,933,200 for three and $2,402,625 for four units in 2026, for FHA case numbers assigned on or after January 1, 2026. HUD's median home price for New York-Newark-Jersey City, NY-NJ is $996,000; 115 percent of it exceeds the $1,249,125 ceiling, so the ceiling applies.
What is the VA loan limit in Kings County?
A veteran with full entitlement has no VA loan limit (VA, since January 1, 2020); the lender still decides what you can borrow. With entitlement already in use, VA uses FHFA's one-unit limit, $1,209,750 for 2026 in Kings County, New York, even for a 2 to 4 unit property. Example with $50,000 of entitlement in use: 25 percent of $1,209,750 is $302,437.50, minus $50,000 leaves $252,437.50 of entitlement, and most lenders lend up to four times that, $1,009,750, without a down payment.
What is the jumbo loan limit in Kings County?
A mortgage above $1,209,750 for a one-unit home in Kings County, New York is a jumbo loan in 2026: FHFA defines the conforming limit as the highest amount Fannie Mae or Freddie Mac can acquire and calls mortgages above it jumbo loans. Loans between the $832,750 baseline and $1,209,750 are conforming here but are often called high-balance loans.
Is Kings County a high-cost area for loan limits?
Yes. FHFA's 2026 limit for Kings County, New York is $1,209,750, above the $832,750 baseline. FHFA raises a county's limit where 115 percent of the area's median home value exceeds the baseline, up to 150 percent of the baseline.
When will the 2027 loan limits for Kings County be announced?
FHFA updates the conforming limits at the end of November and they take effect on January 1 (FHFA announced the 2026 limits on November 25, 2025). HUD's FHA limits follow in a mortgagee letter (Mortgagee Letter 2025-23 set the 2026 limits). This page shows the 2027 figures as soon as each agency publishes them. Conforming limits do not decrease.
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/new-york/kings-county. Not lending advice.