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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. Heres how those are calculated: Maximum loan amount: The maximum loan amount allowed for an conventional conforming loan varies from county to county. The highest maximum conventional conforming loan for single-family homes is 871,450.