Institutional-grade purchasing power forecasting. Benchmark your 2026 house hunt against FHFA conforming limits and real-time yield curves.
Official 2026 mortgage rates and conforming liquidity caps.
| Loan Product | Rate (APR) | Trend |
|---|---|---|
| 30-Year Fixed | 6.5% | Stable |
| 15-Year Fixed | 5.8% | -0.2% |
| FHA 30-Year | 6.25% | +0.1% |
| VA Zero-Down | 6% | Premium |
| County Class | Limit (USD) | Tier Grade |
|---|---|---|
| Baseline US | $806,500 | Conforming |
| High-Cost Area | $1,209,750 | High-Balance |
| Super-High (AK/HI) | $1,209,750 | Alaska/Hawaii |
| Jumbo Triggers | $1.2M+ | Non-Agency |
| Program | Front-End | Back-End |
|---|---|---|
| Conventional | 28% | 36-43% |
| FHA 203(b) | 31% | 43-50% |
| VA Military | - | 41%+ |
| High-DTI Exception | 35%+ | 55% Max |
In the 2026 residential real estate market, **Affordability** is defined by three interconnected scalars: **Income Velocity**, **Debt Sustainability**, and **Equity Liquidity**. Our S-Class engine moves beyond simple 'Salary vs. Payment' logic by integrating FHFA Conforming Loan Limits and dynamic DTI (Debt-to-Income) buffers to provide a bank-verifiable purchasing range.
Our 2026 Engine utilizes an **Iterative Convergence Model**. We don't just multiply your income by a factor; we calculate the PITI (Principal, Interest, Taxes, Insurance) for every price point, checking against conforming loan limits and specific PMI tiers. This ensures your 'affordability' isn't just a guess, but a technically accurate forecast of what a lender's automated underwriting system (AUS) will likely approve.
Expert guidance for navigating 2026 housing inventory.
Internal Resource Mapping