Metropolitan Statistical Areas, Micropolitan Statistical Areas and Rural Counties where Loan Limits are Set Based

on High-Cost Area Provisions of HERA

(Areas where one-unit loan limit exceeds $417,000 in continental U.S. or is above $625,500 for locations in Alaska, Hawaii, Guam, and U.S. Virgin Islands)

Fannie Mae and Freddie Mac conforming loan limits for the high cost areas below may not exceed the corresponding levels listed. These loan limits apply to
loans purchased between January 1, 2009 and December 31, 2009. For a one-unit property, the maximum loan limit is calculated as 1.15 times the median
house price for the highest priced county in the property's metropolitan or micropolitan area or the median house price for the property's county if it is in a
rural county. Regardless of the area median home price, the loan limit cannot, in general, exceed $625,500 (1.50 times the 2009 conforming loan limit). The
exceptions are properties in Alaska, Hawaii, Guam, and the Virgin Islands, where that range is 50 percent higher ($625,500 to $938,250). The 2009
conforming loan limit of $417,000 is in place everywhere else. Loan limits for 2-4 unit properties are proportional to the 1-unit limits.

State Metropolitan, Micropolitan, or County Name Limit Limit Limit Limit

1-Unit 2-Unit 3-Unit 4-Unit
CA Los Angeles-Long Beach-Santa Ana (Metropolitan Area) $625,500 $800,775 $967,950 $1,202,925
Component Counties: Los Angeles, Orange
CA Napa (Metropolitan Area) $592,250 $758,200 $916,450 $1,138,950
Component County: Napa
CA Oxnard-Thousand Oaks-Ventura (Metropolitan Area) $598,000 $765,550 $925,350 $1,150,000
Component County: Ventura
CA Sacramento--Arden-Arcade--Roseville (Metropolitan Area) $474,950 $608,000 $734,950 $913,350
Component Counties: El Dorado, Placer, Sacramento, Yolo
CA Salinas (Metropolitan Area) $483,000 $618,300 $747,400 $928,850
Component County: Monterey
CA San Diego-Carlsbad-San Marcos (Metropolitan Area) $546,250 $699,300 $845,300 $1,050,500
Component County: San Diego
CA San Francisco-Oakland-Fremont (Metropolitan Area) $625,500 $800,775 $967,950 $1,202,925
Component Counties: Alameda, Contra Costa, Marin, San Francisco, San Mateo

CA San Jose-Sunnyvale-Santa Clara (Metropolitan Area) $625,500 $800,775 $967,950 $1,202,925

Component Counties: San Benito, Santa Clara
CA San Luis Obispo-Paso Robles (Metropolitan Area) $561,200 $718,450 $868,400 $1,079,250
Component County: San Luis Obispo
CA Santa Barbara-Santa Maria-Goleta (Metropolitan Area) $603,750 $772,900 $934,250 $1,161,050
Component Couny: Santa Barbara
CA Santa Cruz-Watsonville (Metropolitan Area) $625,500 $800,775 $967,950 $1,202,925
Component County: Santa Cruz
 Metropolitan Statistical Areas, Micropolitan Statistical Areas and Rural Counties where Loan Limits are Set Based
on High-Cost Area Provisions of HERA
(Areas where one-unit loan limit exceeds $417,000 in continental U.S. or is above $625,500 for locations in Alaska, Hawaii, Guam, and U.S. Virgin Islands)

Fannie Mae and Freddie Mac conforming loan limits for the high cost areas below may not exceed the corresponding levels listed. These loan limits apply to
loans purchased between January 1, 2009 and December 31, 2009. For a one-unit property, the maximum loan limit is calculated as 1.15 times the median
house price for the highest priced county in the property's metropolitan or micropolitan area or the median house price for the property's county if it is in a
rural county. Regardless of the area median home price, the loan limit cannot, in general, exceed $625,500 (1.50 times the 2009 conforming loan limit). The
exceptions are properties in Alaska, Hawaii, Guam, and the Virgin Islands, where that range is 50 percent higher ($625,500 to $938,250). The 2009
conforming loan limit of $417,000 is in place everywhere else. Loan limits for 2-4 unit properties are proportional to the 1-unit limits.

State Metropolitan, Micropolitan, or County Name Limit Limit Limit Limit

1-Unit 2-Unit 3-Unit 4-Unit
CA Santa Rosa-Petaluma (Metropolitan Area) $520,950 $666,900 $806,150 $1,001,850
Component County: Sonoma
CA Truckee-Grass Valley (Micropolitan Area) $477,250 $610,950 $738,500 $917,800
Component County: Nevada
CA Alpine County $463,450 $593,300 $717,150 $891,250
CA Mono County $529,000 $677,200 $818,600 $1,017,300
CO Edwards (Micropolitan Area) $625,500 $800,775 $967,950 $1,202,925
Component Counties: Eagle, Lake
CO Silverthorne (Micropolitan Area) $625,500 $800,775 $967,950 $1,202,925
Component County: Summit
CO Hinsdale County $423,200 $541,750 $654,850 $813,850
CO Ouray County $419,750 $537,350 $649,550 $807,200
CO Pitkin County $625,500 $800,775 $967,950 $1,202,925
CO Routt County $625,500 $800,775 $967,950 $1,202,925
CO San Miguel County $625,500 $800,775 $967,950 $1,202,925
CT Bridgeport-Stamford-Norwalk (Metropolitan Area) $511,750 $655,150 $791,900 $984,150
Component County: Fairfield
DC Washington-Arlington-Alexandria, DC-VA-MD-WV (Metropolitan Area) $625,500 $800,775 $967,950 $1,202,925
Component Areas (DC): District of Columbia
FL Key West (Micropolitan Area) $529,000 $677,200 $818,600 $1,017,300
Component County: Monroe
FL Naples-Marco Island (Metropolitan Area) $448,500 $574,150 $694,000 $862,500
Component Counties: Collier
GA Greene County $515,200 $659,550 $797,250 $990,800
 Metropolitan Statistical Areas, Micropolitan Statistical Areas and Rural Counties where Loan Limits are Set Based
on High-Cost Area Provisions of HERA
(Areas where one-unit loan limit exceeds $417,000 in continental U.S. or is above $625,500 for locations in Alaska, Hawaii, Guam, and U.S. Virgin Islands)

Fannie Mae and Freddie Mac conforming loan limits for the high cost areas below may not exceed the corresponding levels listed. These loan limits apply to
loans purchased between January 1, 2009 and December 31, 2009. For a one-unit property, the maximum loan limit is calculated as 1.15 times the median
house price for the highest priced county in the property's metropolitan or micropolitan area or the median house price for the property's county if it is in a
rural county. Regardless of the area median home price, the loan limit cannot, in general, exceed $625,500 (1.50 times the 2009 conforming loan limit). The
exceptions are properties in Alaska, Hawaii, Guam, and the Virgin Islands, where that range is 50 percent higher ($625,500 to $938,250). The 2009
conforming loan limit of $417,000 is in place everywhere else. Loan limits for 2-4 unit properties are proportional to the 1-unit limits.

State Metropolitan, Micropolitan, or County Name Limit Limit Limit Limit

1-Unit 2-Unit 3-Unit 4-Unit
HI Honolulu (Metropolitan Area) $721,050 $923,050 $1,115,800 $1,386,650
Component County: Honolulu
HI Kahului-Wailuku (Micropolitan Area) $626,750 $802,350 $969,850 $1,205,300
Component County: Maui
HI Kapaa (Micropolitan Area) $713,000 $912,750 $1,103,350 $1,371,150
Component County: Kauai
ID Jackson, WY-ID (Micropolitan Area) $625,500 $800,775 $967,950 $1,202,925
Component County: Teton
ID Blaine County $457,700 $585,950 $708,250 $880,200
MA Boston-Cambridge-Quincy, MA-NH (Metropolitan Area) $465,750 $596,250 $720,700 $895,700
Component Counties (MA): Essex, Middlesex, Norfolk, Plymouth, Suffolk
MA Providence-New Bedford-Fall River, RI-MA (Metropolitan Area) $426,650 $546,200 $660,200 $820,500
Component Counties (MA): Bristol
MA Duke's County $625,500 $800,775 $967,950 $1,202,925
MA Nantucket County $625,500 $800,775 $967,950 $1,202,925
MD Baltimore-Towson (Metropolitan Area) $494,500 $633,050 $765,200 $950,950
Component Counties: Anne Arundel, Baltimore, Carroll, Harford, Howard, Queen Anne's
Also Component City: Baltimore

MD Washington-Arlington-Alexandria, DC-VA-MD-WV (Metropolitan Area) $625,500 $800,775 $967,950 $1,202,925

Component Counties (MD): Calvert, Charles, Frederick, Montgomery, Prince George's

NC Elizabeth City (Micropolitan Area) $625,500 $800,775 $967,950 $1,202,925

Component Counties: Camden, Pasquotank, Perquimans
 Metropolitan Statistical Areas, Micropolitan Statistical Areas and Rural Counties where Loan Limits are Set Based
on High-Cost Area Provisions of HERA
(Areas where one-unit loan limit exceeds $417,000 in continental U.S. or is above $625,500 for locations in Alaska, Hawaii, Guam, and U.S. Virgin Islands)

Fannie Mae and Freddie Mac conforming loan limits for the high cost areas below may not exceed the corresponding levels listed. These loan limits apply to
loans purchased between January 1, 2009 and December 31, 2009. For a one-unit property, the maximum loan limit is calculated as 1.15 times the median
house price for the highest priced county in the property's metropolitan or micropolitan area or the median house price for the property's county if it is in a
rural county. Regardless of the area median home price, the loan limit cannot, in general, exceed $625,500 (1.50 times the 2009 conforming loan limit). The
exceptions are properties in Alaska, Hawaii, Guam, and the Virgin Islands, where that range is 50 percent higher ($625,500 to $938,250). The 2009
conforming loan limit of $417,000 is in place everywhere else. Loan limits for 2-4 unit properties are proportional to the 1-unit limits.

State Metropolitan, Micropolitan, or County Name Limit Limit Limit Limit

1-Unit 2-Unit 3-Unit 4-Unit
NC Virginia Beach-Norfolk-Newport News, VA-NC (Metropolitan Area) $458,850 $587,400 $710,050 $882,400
Component Counties: Currituck
NC Hyde County $483,000 $618,300 $747,400 $928,850
NH Boston-Cambridge-Quincy, MA-NH (Metropolitan Area) $465,750 $596,250 $720,700 $895,700
Component Counties (NH): Rockingham, Strafford
NJ New York-Northern New Jersey-Long Island, NY-NJ-PA (Metropolitan Area) $625,500 $800,775 $967,950 $1,202,925
Component Counties (NJ): Bergen, Essex, Hudson, Hunterdon, Middlesex, Monmouth,
Morris, Ocean, Passaic, Somerset, Sussex, Union
NY New York-Northern New Jersey-Long Island, NY-NJ-PA (Metropolitan Area) $625,500 $800,775 $967,950 $1,202,925
Component Counties (NY): Bronx, Kings, Nassua, New York, Putnam, Queens,
Richmond, Rockland, Suffolk, Westchester
PA New York-Northern New Jersey-Long Island, NY-NJ-PA (Metropolitan Area) $625,500 $800,775 $967,950 $1,202,925
Component County (PA): Pike
RI Providence-New Bedford-Fall River, RI-MA (Metropolitan Area) $426,650 $546,200 $660,200 $820,500
Component Counties (RI): Bristol, Kent, Newport, Providence, Washington
UT Salt Lake City (Metropolitan Area) $600,300 $768,500 $928,950 $1,154,450
Component Counties (UT): Salt Lake, Summit, Tooele
VA Charlottesville (Metropolitan Area) $437,000 $559,450 $676,200 $840,400
Component Counties: Albemarle, Fluvanna, Greene, Nelson
Component City: Charlottesville
 Metropolitan Statistical Areas, Micropolitan Statistical Areas and Rural Counties where Loan Limits are Set Based
on High-Cost Area Provisions of HERA
(Areas where one-unit loan limit exceeds $417,000 in continental U.S. or is above $625,500 for locations in Alaska, Hawaii, Guam, and U.S. Virgin Islands)

Fannie Mae and Freddie Mac conforming loan limits for the high cost areas below may not exceed the corresponding levels listed. These loan limits apply to
loans purchased between January 1, 2009 and December 31, 2009. For a one-unit property, the maximum loan limit is calculated as 1.15 times the median
house price for the highest priced county in the property's metropolitan or micropolitan area or the median house price for the property's county if it is in a
rural county. Regardless of the area median home price, the loan limit cannot, in general, exceed $625,500 (1.50 times the 2009 conforming loan limit). The
exceptions are properties in Alaska, Hawaii, Guam, and the Virgin Islands, where that range is 50 percent higher ($625,500 to $938,250). The 2009
conforming loan limit of $417,000 is in place everywhere else. Loan limits for 2-4 unit properties are proportional to the 1-unit limits.

State Metropolitan, Micropolitan, or County Name Limit Limit Limit Limit

1-Unit 2-Unit 3-Unit 4-Unit
VA Richmond (Metropolitan Area) $535,900 $686,050 $829,250 $1,030,600
Component Counties: Amelia, Caroline, Charles City, Chesterfield, Cumberland,
Dinwiddie, Goochland, Hanover, Henrico, King and Queen, King William, Louisa, New
Kent, Powhatan, Prince George, Sussex
Also Component Cities: Colonial Heights, Hopewell, Petersburg, Richmond
VA Virginia Beach-Norfolk-Newport News, VA-NC (Metropolitan Area) $458,850 $587,400 $710,050 $882,400
Component Counties (VA): Gloucester, Isle of Wight, James City, Mathews, Surry, York
Also Component Cities (VA): Chesapeake, Hampton, Newport News, Norfolk, Poquoson,
Portsmouth, Suffolk, Virginia Beach, Williamsburg

VA Washington-Arlington-Alexandria, DC-VA-MD-WV (Metropolitan Area) $625,500 $800,775 $967,950 $1,202,925

Component Counties (VA): Arlington, Clarke, Fairfax, Fauquier, Loudoun, Prince
William, Spotslvania, Stafford, Warren
Also Component Cities (VA): Alexandria, Fairfax, Falls Church, Fredericksburg,
Manassas, Mannassas Park
VA Lancaster County $442,750 $566,800 $685,100 $851,450
WA Seattle-Tacoma-Bellevue (Metropolitan Area) $506,000 $647,750 $783,000 $973,100
Component Counties: King, Pierce, Snohomish
WA San Juan County $483,000 $618,300 $747,400 $928,850
WV Washington-Arlington-Alexandria, DC-VA-MD-WV (Metropolitan Area) $625,500 $800,775 $967,950 $1,202,925
Component County (WV): Jefferson
WY Jackson, WY-ID (Micropolitan Area) $625,500 $800,775 $967,950 $1,202,925
Component Counties (WY): Teton
Component Counties (ID): Teton
 Metropolitan Statistical Areas, Micropolitan Statistical Areas and Rural Counties where Loan Limits are Set Based
on High-Cost Area Provisions of HERA
(Areas where one-unit loan limit exceeds $417,000 in continental U.S. or is above $625,500 for locations in Alaska, Hawaii, Guam, and U.S. Virgin Islands)

Fannie Mae and Freddie Mac conforming loan limits for the high cost areas below may not exceed the corresponding levels listed. These loan limits apply to
loans purchased between January 1, 2009 and December 31, 2009. For a one-unit property, the maximum loan limit is calculated as 1.15 times the median
house price for the highest priced county in the property's metropolitan or micropolitan area or the median house price for the property's county if it is in a
rural county. Regardless of the area median home price, the loan limit cannot, in general, exceed $625,500 (1.50 times the 2009 conforming loan limit). The
exceptions are properties in Alaska, Hawaii, Guam, and the Virgin Islands, where that range is 50 percent higher ($625,500 to $938,250). The 2009
conforming loan limit of $417,000 is in place everywhere else. Loan limits for 2-4 unit properties are proportional to the 1-unit limits.

State Metropolitan, Micropolitan, or County Name Limit Limit Limit Limit

1-Unit 2-Unit 3-Unit 4-Unit
MP Northern Islands Municipality $524,400 $671,300 $811,450 $1,008,450
MP Saipan Municipality $529,000 $677,200 $818,600 $1,017,300
MP Tinian Municipality $532,450 $681,650 $823,950 $1,023,950