Conventional Loan Limits. The maximum conventional conforming loan amount is 453,100 across most of the U. for single-family homes. Conventional loan limits are based on local home values and can vary depending on the area. What is the maximum amount that I can borrow. The maximum mortgage amount for conventional mortgage loans are determined by a couple factors. There is a maximum loan limit and a loan-to-value ratio (LTV Ratio) based upon the homes appraised value.
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