OpenChainGraph Suite · ART-223 · US Mortgage Agency and Government Loan Pricing

Conforming Loan Limit Check

FHFA 2026 conforming loan limit classifier. 2026 baseline: $806,500 (1-unit), $1,032,650 (2-unit), $1,248,150 (3-unit), $1,550,400 (4-unit). High-cost counties and AK/HI/Guam/USVI receive a 150% ceiling. Classifies loans as conforming, super-conforming, or jumbo. Not a Reg Z consumer threshold lookup: use the Reg Z Threshold Lookup node for QM fees and HOEPA thresholds. Table: FHFA-CLL-2026.

FHFA-CLL-2026 Version-Pinned Conforming Super-Conforming Jumbo
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
⚠ Limits are pinned at build time to FHFA 2026 announced values. FHFA adjusts annually each November. For county-specific super-conforming limits, verify at fhfa.gov. Not legal or compliance advice.
Loan Details
Total loan amount in US dollars.
Enter state abbreviation. AK, HI, GU, VI receive high-cost ceiling.
County Override
Check if the property is in a designated FHFA high-cost county. The applicable limit will be raised up to the 150% ceiling.
Enter the published FHFA county limit if known. Leave blank to use the 150% ceiling.
Classification Result
Classification
–
Applicable Limit
–
FHFA-CLL-2026
2026 Baseline Limits by Unit Count
UnitsBaseline LimitHigh-Cost / AK-HI Ceiling (150%)
Output Fields
Execution Hash (SHA-256)
ℹ This node classifies conventional loan size only. For QM points-and-fees caps or HOEPA thresholds, use the Reg Z Threshold Lookup node (ART-220).
⚠ Not legal or compliance advice. Outputs are computed from version-pinned tables and your inputs only. Consult qualified counsel before relying on any result for production decisions.







  

    
Ask your agent

    
  

  
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `check_conforming_loan_limit`. Task: FHFA annual conforming loan limit classifier.
Call it with arguments: {"policy_parameters":{"loan_amount":700000,"units":1,"year":2026,"loan_program":"VA"}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-223-conforming-loan-limit.html#p=v1.H4sIAAAAAAAA_wFAAL__eyJsb2FuX2Ftb3VudCI6NzAwMDAwLCJ1bml0cyI6MSwieWVhciI6MjAyNiwibG9hbl9wcm9ncmFtIjoiVkEifRS9qh5AAAAA