2025 Loan Limits. Fhfa will post final numbers later this year. Direct subsidized loans and direct unsubsidized loans have annual loan limits that vary based on the student’s grade level and (for direct unsubsidized loans).

The conforming loan limits for 2025 have increased and apply to loans delivered to fannie mae in 2025 (even if originated prior to 1/1/2025). Discover 2025’s fannie mae high balance loan limits, their historical context, benefits, potential challenges, and best practices for borrowers and lenders.