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**Fannie Mae, Freddie Mac Multifamily Loan Caps Raised to $88 Billion Each for 2026**
The U.S. Federal Housing Finance Agency (FHFA) has announced an increase in the 2026 multifamily loan purchase caps for government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac. Each GSE will be authorized to purchase up to $88 billion in multifamily loans, bringing the combined total to $176 billion for the year. This represents a $15 billion increase from the $73 billion cap previously set for 2025.
In conjunction with the updated caps, the FHFA emphasized that at least 50% of the GSEs’ multifamily loan acquisitions must be dedicated to supporting affordable housing. As in the current year, loans secured by workforce housing will remain exempt from these purchase caps, allowing continued flexibility in supporting this housing segment.
Kelly Follain, Executive Vice President and Head of Multifamily at Fannie Mae, responded to the announcement by saying, “U.S. Federal Housing’s 2026 multifamily loan purchase cap will enable us to continue this important work, ensuring people have access to quality, affordable places to live in communities throughout the country. We look forward to partnering closely with our lenders and other stakeholders in the year ahead to deliver housing opportunities where they are needed most.”
This increase underscores the continued federal commitment to affordable housing and workforce housing initiatives, and positions Fannie Mae and Freddie Mac to play a pivotal role in addressing housing needs across the country in 2026.
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