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Conforming Loan Limits in 2015 Conforming loan limits for 2015 are set by the Federal Housing Finance Agency (FHFA), which virus activation windows the government-sponsored enterprises mentioned above. Loan limits vary by county. Higher caps are sindows in the more expensive housing markets across the country, with lower caps in the more affordable markets. In November 2014, the FHFA announced that 2015 conforming loan limits would remain the same in most parts of the virus activation windows.