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Is Fannie Mae The Same As Fha Fha Loan Calculator Texas Va Or Conventional Loan conventional loan guidelines 2019 2019 conventional loan limits. The conventional loan limit for 2019 is $484,350 for a single family home. Though, Fannie Mae and Freddie Mac have designated high-cost areas where limits are higher. For example, a single-family home in Seattle, Washington could have a maximum loan of $592,250.FHA Base Loan Amount-This is the amount of your loan after subtracting your down payment from the total, but prior to adding in the FHA upfront mortgage upfront MIP – All FHA loans require a 1.75% upfront mortgage insurance premium to be paid. This is calculated from the base loan amount.Fannie Mae Eligibility. Fannie Mae loans are not as forgiving in credit or down payment requirements as FHA loans. fannie mae requires a minimum credit score of 620 for fixed-rate mortgages and 640 for adjustable-rate mortgages. The typical minimum down payment is 5 percent for fixed-rate mortgages and 10 percent for adjustable-rate loans; however,