Fha Conventional Loan Limits Skip to main content. This website provides 2018 conforming loan limits by county, as well as VA and FHA limits. In 2018, the baseline loan limit for most counties across the U.S. will be $453,100, an increase over 2017. More expensive markets, such as New York City and San Francisco, have conforming loan limits as high as $679,650.the consumer is actually borrowing from a separate financial institution. How an Indirect Loan Works (Secondary Market) Loans not originated directly by the lender that holds them can be considered.