Fannie Mae & Freddie Mac loan limits increased to $453,100 for 2018. posted by: What's My Payment? Loan Limits by State & CountyThe Federal Housing Finance Agency (FHFA) has increased the maximum loan amount from $424,100 to $453,100 in most places. This means a home buyer can borrower up to this amount, and the loan can be underwritten to the guidelines of Fannie Mae and/or Freddie Mac. Loans above the county loan limit are considered jumbo mortgage loans and must be underwritten to private investor jumbo mortgage guidelines.In areas where home prices and incomes are significantly greater than the rest of the country, the FHFA loan limits are higher than $453,100. You can find loan limits by state and county here. Next: What's My Payment?