Short sales, South Placer market trends, mortgage rates, ranch property and three featured homes.ALEX DYER | REAL ESTATEPLACER & SACRAMENTO COUNTIES · SEPTEMBER 24, 2026This week's market
2023 Conforming Loan Limit Increase!
Dated: December 4 2022
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The FHA conforming loan program is intended to subsidize the US housing market by offering lower mortgage rates and thus making homes more affordable. In 2023, in some areas of the US, $1 million homes are now qualified to receive this subsidy. FHFA has raised the new conforming loan limits for 2023 by 12%, reflecting the year's solid home price gains. This increase will allow buyers and homeowners in most areas across the country to get a conforming loan when they purchase a home – assuming a 10% down payment - up to $800,000 in 2023 versus the $720,000 limit in 2022. In the meantime, about 5% of homes currently available on the market are in the price range of $700,000 to $800,000, while nearly 4% of home sales fall within that same price range. This chart shows conforming loan limits over the past ten years.
Alex Dyer
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