> ## Content Index > Fetch the complete content index at: https://truenorthboulder.com/llms.txt > Use this file to discover other available public pages before exploring further. # Counting ADU Rent to Qualify for a Mortgage in Colorado - URL: https://truenorthboulder.com/guides/adu-rental-income-qualify-mortgage-colorado/ - Published: 2026-10-22T09:00:00.000Z - Updated: 2026-10-24T18:11:03.000Z - Description: An accessory unit helps you qualify from the monthly rent the appraisal supports. On a Fannie Mae, Freddie Mac or FHA purchase, at most 75% of it counts, capped at 30% of qualifying income, if the unit passes each program's test. Above the conforming limit, the lender's rules replace all three. - Author: Daniel Hsieh - Tags: Buyer Guide, Financing, Buying Whether an accessory dwelling unit (ADU) over the garage, behind the house or in the basement can help you qualify for the mortgage begins with the appraisal's rent schedule, where the appraiser writes down what the unit would rent for each month and lists the rentals nearby that back that figure up. On a purchase with a Fannie Mae, Freddie Mac or FHA loan, your lender counts at most 75 percent of a rent the appraisal supports, and what the unit contributes can't exceed 30 percent of the income you qualify with. The rent only counts if the unit passes each program's own test first. And above the conforming loan limit, which at 20 percent down arrives at a price of about $1.1 million in Boulder County, none of these rules governs the loan. These rules read the same in Boulder, Longmont, Loveland, Berthoud and Lyons; the loan limit is what differs by county. ## One page of the appraisal sets the rent your lender can use The quick answer On a purchase, the rent your lender works from starts with the appraiser's opinion of market rent on the Single-Family Comparable Rent Schedule, Form 1007\. Fannie Mae uses a lease when one transfers to you with the sale, and FHA takes the lesser of the lease and the appraiser's figure. Either way, the appraisal's rent schedule is where the lender's number starts. That page is only as strong as the rentals the appraiser can find, and Freddie Mac and FHA spell out what they need. Freddie Mac's February 2026 fact sheet on accessory dwelling units asks for at least three comparable rentals, at least one of them a rented ADU, plus at least one comparable sale of a property with an ADU. FHA's rules, introduced by Mortgagee Letter 2023-17 in October 2023, ask for at least one comparable rental that's a house with a rented ADU. Where there isn't one, the appraiser supplements with the most appropriate rental available and explains the choice. So the most useful question about a unit is one a listing can't answer: how many units like it rent nearby, by the month, where an appraiser can see them? Where few do, the appraiser has less to work with, and it shows on the rent schedule. If you're taking over a lease that market rents don't reasonably support, Fannie Mae's guide has the lender either justify the lease rent in writing or use the lesser amount. Many buyers here [budget cash for an appraisal that comes in under the price](https://truenorthboulder.com/guides/buying-a-home-in-boulder-county/). On a house with a unit, the appraisal carries more weight than usual, because it sets part of your income as well as the value. ## Which units the rules will count at all The quick answer Before any percentage applies, the unit has to pass each program's tests. It must be an ADU by the agency's definition, and for Fannie Mae it must already exist. Freddie Mac and FHA each have a legality rule, while Fannie Mae's rental text is silent on one. And Fannie Mae won't use short-term rental income from an ADU. **Start with the definition, because plenty of space marketed as a unit isn't one.** Fannie Mae's guide asks for a unit smaller than the house, with its own entrance, kitchen, sleeping area and bathroom. The kitchen needs cabinets, a countertop, a sink with running water and a stove or stove hookup; a hotplate or a microwave won't do. Space you can reach only through the main house, or that's open to it with no expectation of privacy, isn't an ADU, and "an independent second kitchen by itself does not constitute an ADU." Only one is permitted per parcel. Fannie's own examples include a living area over a garage and a living area in a basement, which makes a finished basement with a kitchenette, reached down the house's own stairs, the near-miss to check first. On an older house with a finished basement, whether a unit was built with permits and whether the zoning allows it as a unit are two different questions, and a listing's "mother-in-law suite" is a description of the space, nothing more. Before you count on the rent, check both: the permits on file for the unit and what the parcel's zoning allows. **Existing.** Fannie Mae counts rent only from "one existing ADU." A unit you plan to build is a separate question, covered below. **Legal to rent.** This is where the three programs part ways: - **Freddie Mac:** "Rental income from an illegal ADU may not be used to qualify." For its rent to count, the unit has to be allowed by zoning, which Freddie spells out as legal, legal non-conforming, or in a place with no zoning. Its fact sheet does let a one-unit house whose unit doesn't meet those zoning terms be eligible under certain conditions; it's that unit's rent that can't count. - **FHA:** the ADU must "comport with zoning requirements, which may include a legal nonconforming use," and the appraiser may report a rent for it only if the unit is "legally rentable without restrictions." What counts as a restriction on a given unit is the appraiser's and the lender's reading to make. - **Fannie Mae:** its appraisal rules keep a house eligible, under conditions, even where zoning doesn't allow its unit. Its rental-income text says nothing either way about that unit's rent. If that's the house, ask the lender how it reads the gap before you count on the rent. The zoning question to ask is whether the unit is allowed at that address or is a legal non-conforming use, and who answers it depends on where the parcel sits: the town, for a parcel inside its limits, and the county only for one outside any town. The City of Boulder's own ADU rules are summarized in our [Newlands guide](https://truenorthboulder.com/boulder/newlands/), and the city confirms them for a specific lot. In the City of Boulder, renting the unit out also takes a rental license, and a license doesn't pass to a new owner; our [University Hill guide](https://truenorthboulder.com/boulder/university-hill/) covers the handoff and the city's public lookup. **Rented by the month.** Fannie Mae says flatly that short-term rental income, meaning stays of typically less than 30 consecutive days, "cannot be derived from an ADU." FHA builds the unit's rent from monthly, non-transient figures. Freddie Mac's fact sheet doesn't address short-term rent from an ADU, so put that one to the lender. If a listing leads with what the unit earns by the night, that history doesn't carry over under Fannie Mae's or FHA's rules; what matters there is what it would rent for by the month. ![True North Boulder infographic titled “The tests come before the percentage.” A vertical channel labelled the unit’s rent passes four gold crossbars marked Gate 1 to Gate 4: an ADU by the agency’s definition, already exists, legal to rent, rents by the month. Copper side branches at each gate drain into a gutter ending at a $0 circle marked “none counts under that program’s ADU rule,” and notes beside each gate name which of Fannie Mae, Freddie Mac and FHA stops the rent there and which are silent. After the appraisal step, shown at an illustrative $2,000 a month, the channel narrows to 75 percent, $1,500, with a dashed line at 50 percent, then meets a hatched clamp for the ceiling of 30 percent of qualifying income and ends at “what the loan uses.” A side note gives the 2026 conforming limits, $879,750 in Boulder County and $832,750 in Larimer and Weld. Footer: True North Boulder, eXp Realty; general information, not lending advice.](https://storage.ghost.io/c/7c/ec/7cec6ddd-8aeb-4e8c-923a-e353e04b082d/content/images/2026/09/adu-rental-income-qualify-mortgage-colorado-infographic.png) The rent’s path through the rules, top to bottom. It starts as what the unit could rent for and has to clear four tests before any percentage applies. Gate 1: it is an ADU by the agency’s definition (Fannie Mae’s: its own entrance, a kitchen with a stove or stove hookup, a sleeping area and a bathroom; space reachable only through the house, or open to it with no privacy, isn’t one, and a second kitchen alone isn’t one). Gate 2: it already exists. Fannie Mae counts rent only from “one existing ADU”; Freddie Mac’s fact sheet doesn’t say whether future rent counts. Gate 3: it is legal to rent. Freddie Mac: “Rental income from an illegal ADU may not be used to qualify,” with legal non-conforming or no zoning allowed; FHA requires the unit to “comport with zoning requirements,” and the appraiser reports a rent only if it is “legally rentable without restrictions”; Fannie Mae’s rental-income text is silent. Gate 4: it rents by the month. Fannie Mae says short-term rental income, typically under 30 consecutive days, “cannot be derived from an ADU”; FHA uses only a monthly, non-transient rent, and its comparable rentals exclude stays under 30 days; Freddie Mac’s fact sheet doesn’t address short-term rent. Where a program’s text stops the rent at a gate, none of it counts under that program’s ADU rule; where the text is silent, ask the lender. Then the appraisal has to support the rent on Form 1007: Freddie Mac wants at least three comparable rentals, one of them a rented ADU, and FHA at least one house with a rented ADU, or the appraiser supplements and explains. Only then does a share apply: on a purchase, at most 75 percent, and FHA counts 50 percent on a 203(k) loan with no rental history. As an illustration of the rule, not an estimate of any file, an appraisal-supported $2,000 a month becomes $1,500 at 75 percent, before any other limit. What the unit contributes is then capped at 30 percent of the income used to qualify, on a one-unit home you live in. Above the 2026 conforming loan limit, $879,750 in Boulder County and $832,750 in Larimer and Weld on the loan amount, none of the Fannie Mae, Freddie Mac or FHA rules applies; the lender’s own guidelines, or its investor’s, do. General information, not lending advice. ## How much ADU rent counts, and the ceiling on it The quick answer On a purchase, the Fannie Mae, Freddie Mac and FHA rules each count at most 75 percent of the ADU's rent, and FHA counts 50 percent on a 203(k) loan with no rental history. All three cap what the unit contributes at 30 percent of the income used to qualify, on a one-unit home you live in, and none counts it on a cash-out refinance. | On a purchase | Fannie Mae | Freddie Mac | FHA | | --------------------------- | ---------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------- | | Share of rent counted | 75% of monthly gross rent | Rent documented with a lease: no more than 75% of the lease amount | 75% of the lesser of the appraiser's fair market rent and the lease; 50% on a 203(k) loan with no rental history | | Ceiling | 30% of total qualifying income | 30% of total income used to qualify | 30% of total monthly effective income used to qualify | | Property | One existing ADU with a one-unit home you live in | One-unit primary residence | One-unit home with an ADU | | Loan purposes | Purchase or limited cash-out refinance | Purchase or no-cash-out refinance | Not on a cash-out refinance | | Legality of the unit | Rental text silent; ask the lender | None from an illegal ADU; legal non-conforming and no-zoning allowed | Must comport with zoning; appraiser rent only if legally rentable without restrictions | | Short-term rent | Can't come from an ADU | Not stated in the fact sheet | Appraiser's rent must be monthly and non-transient | | Landlord experience | Without 12 months of property-management experience, counted rent goes no further than covering the home's own payment | Landlord education on a purchase unless a borrower has a year of investment-property management experience, or ADU rental-management experience | Not stated in Mortgagee Letter 2023-17 | | Reserves tied to ADU income | Not stated in the Fannie Mae sections cited below | Not stated in the fact sheet | Two months' PITI after closing | Say the appraisal supports $2,000 a month for the unit. At 75 percent, $1,500 of it counts, before the 30 percent ceiling or any other limit has been applied. That's an illustration of the rule, not an estimate of your file. **Two of Fannie Mae's conditions turn on your own history rather than the unit, so raise them with the lender early.** Fannie Mae requires the lender to document your current housing payment to use any rental income from the house you're buying, and it defines that payment as what you currently pay for the home you live in: rent, a mortgage payment, or, if you own that home outright, its property taxes. So a buyer with no current housing payment to document on the home they live in (no rent, no mortgage, and no property-tax bill there) gets no credit for the unit under Fannie's rule. Experience is the second: without 12 months of property-management experience, Fannie lets the unit's counted rent go no further than covering the home's own monthly payment. If you're applying with a co-borrower and only one of you has managed a rental, or an employer is covering your housing during a move, ask the lender how it applies these two conditions to your file. Freddie Mac's experience condition is a different one, landlord education, shown in the table. **The dates explain why two lenders can give you different answers.** In October 2025, Fannie Mae "amended our rental income policy to allow income from an ADU to be considered towards qualifying income." Lenders could apply it at once on manually underwritten loans, and Fannie said its automated system would be updated in the first quarter of 2026\. On September 2, 2026, Fannie rewrote its rental-income chapter, and its announcement, as reissued on September 23, has lenders applying the new version to applications dated on or after December 1, 2026\. The three ADU limits (one existing unit, a purchase or limited cash-out refinance, and the 30 percent ceiling) and the 75 percent factor read the same in both versions. Ask each lender, too, whether it applies the agency rule as written or adds conditions of its own, and whether its automated system takes the unit's rent or the file needs a manual review. About this data The rewritten Fannie Mae chapter describes how the unit's rent enters the debt-to-income calculation in two places, and they don't read the same way, so we leave the debt-to-income example out: any worked example here would be us choosing one. The lender's worksheet settles it for your file: ask to see the ADU line on it. Rent from a house you're moving out of is counted differently, with its own factor and its own conditions; see our guide to [keeping your Boulder home as a rental when you move up](https://truenorthboulder.com/guides/keep-your-boulder-home-as-a-rental-when-you-move-up/). ## What the appraiser does with the unit's value The quick answer Fannie Mae's appraisal rules have the unit reported on its own line in the sales grid, not added to the house's above-grade square footage, unless it sits inside the house, above grade, with interior access. The report has to describe the unit and analyze any effect it has on the property's value or marketability. That separate line is one reason the square footage on a listing and in an appraisal can disagree, the same gap our piece on [why a listing's square footage doesn't match the county's](https://truenorthboulder.com/guides/why-square-footage-doesnt-match-the-county/) takes apart. The appraiser also decides what the property is. Under Fannie Mae's appraisal rules, whether a house is a one-unit home with an ADU or a two-to-four-unit property turns on its characteristics, which can include separate utility meters, a unique postal address and whether the unit can be legally rented. That classification changes which rental rules apply to the loan, and it's made in the appraisal rather than on the listing. Renting the unit for years also has a consequence at the far end, when you sell. Our guide to [selling a long-held Boulder home](https://truenorthboulder.com/guides/selling-a-long-held-boulder-home/) covers the tax side of that exit. ## If the unit isn't built yet The quick answer A unit you mean to build after closing won't help you qualify for the purchase under Fannie Mae, whose rule counts rent only from "one existing ADU." On an FHA 203(k) loan with no rental history, FHA counts 50 percent of the lesser of the appraiser's rent and the lease; that figure comes from the loan type and the missing rental history, not from the unit being new. Freddie Mac's fact sheet doesn't say whether future rent counts; ask the lender. Whether a given project qualifies for a 203(k) is the lender's call. Building one is financeable; what changes is when its rent can start doing any work. Fannie Mae's HomeStyle Renovation mortgage can be used to construct accessory units "when allowed by local zoning regulations," and the renovation work has to be completed no later than 15 months from the date the loan closes. Freddie Mac's CHOICERenovation mortgage can be used "for constructing a new ADU or renovating an existing one." How a renovation loan handles work that isn't finished yet is laid out in [our note on the half-measure renovation](https://truenorthboulder.com/guides/the-half-measure-costs-the-most/). Once a unit is built and rented, its rent could enter a later refinance, within each program's loan-purpose limits in the table above. A refinance documents rental income on its own terms, and the lender runs that from your records at the time. If the unit is built as an addition or converted from a garage in the City of Boulder, [Boulder's energy code](https://truenorthboulder.com/guides/boulder-energy-code-addition-remodel/) sets its own rules for the new mechanical systems. ## Above the conforming limit, none of these rules apply The quick answer For 2026 the conforming loan limit is $879,750 in Boulder County and $832,750 in Larimer and Weld counties. A loan above that line is a jumbo loan, and none of the Fannie Mae, Freddie Mac or FHA rules above governs it. The lender's own guidelines do, or its investor's, and they set their own terms for the unit. At 20 percent down, a purchase price above about $1.1 million puts the loan over Boulder County's limit, and the line sits lower in Larimer and Weld. It follows the parcel's county, not the mailing address, which matters in [Longmont](https://truenorthboulder.com/longmont/moving-to-longmont/), where an address can fall on either side of the Boulder–Weld line. A larger down payment raises the price at which the loan crosses the limit, and our guide to [what your equity has to cover on a move-up](https://truenorthboulder.com/guides/move-up-equity-position-boulder/) sets out the choice between staying under it and going over. FHA loans run on their own county limits, which HUD publishes, so check that figure for the parcel rather than borrowing these conforming limits. A lender that keeps a loan on its own books writes its own conditions, the same logic that shapes [physician loans in Boulder County](https://truenorthboulder.com/guides/physician-loans-boulder-county/), so an ADU policy can differ from one jumbo lender to the next. If the unit's rent is part of how you plan to afford the house, get the lender's ADU policy in writing before you build it into your budget. Common questions ## Frequently asked Can ADU rent count if I refinance to take cash out?+ Not under the Fannie Mae, Freddie Mac or FHA rules. FHA says rent from an ADU "cannot be used as Effective Income to qualify for a cash-out refinance." Fannie Mae allows ADU rent only on a purchase or a limited cash-out refinance, and Freddie Mac only on a purchase or a no-cash-out refinance. How the rent is documented on any refinance is the lender's calculation to run from your records. Does ADU rent count on a jumbo loan?+ Not under the Fannie Mae, Freddie Mac or FHA rules. A loan above the conforming loan limit ($879,750 in Boulder County and $832,750 in Larimer and Weld counties for 2026) is a jumbo loan, which none of those three programs governs. FHA runs on its own county limits, which HUD publishes, so check that figure for the parcel rather than assuming it matches these. Whether a jumbo lender counts the unit's rent, and how, is set by its own guidelines or its investor's, so ask that lender for its ADU policy in writing. Does short-term rental income from an ADU count toward a mortgage?+ Not under Fannie Mae's rules, which define a short-term rental as one rented typically less than 30 consecutive days and say that short-term rental income "cannot be derived from an ADU." Under FHA's rules, the appraiser can report an ADU rent only where a non-transient monthly rent can be credibly developed, and the comparable rentals can't include stays under 30 days. Freddie Mac's fact sheet doesn't address it, so ask the lender. Does a basement apartment count as an ADU?+ It can. Fannie Mae lists "a living area in a basement" among its examples. The test is what the space has: its own entrance, a kitchen with a stove or stove hookup, a sleeping area and a bathroom, in a unit smaller than the house. It isn't an ADU if it can be reached only through the main house, or if it's open to the main house with no expectation of privacy. A second kitchen by itself doesn't make one. The appraiser reports how the space is classified, and the lender decides what that means for your loan. Do I need a signed lease to count ADU rent on a purchase?+ Not necessarily. On a Fannie Mae purchase, the lender works from the appraiser's Single-Family Comparable Rent Schedule, Form 1007, and uses a lease when one is being transferred to you, supported by that form. FHA counts 75 percent of the lesser of the appraiser's fair market rent and the rent in the lease or other rental agreement, or 50 percent on a 203(k) loan with no rental history. Freddie Mac says rent documented with a lease can't exceed 75 percent of the lease amount. The fact sheet doesn't say whether a lease is required, so ask the lender. **The step to take first:** turn the unit into a question about documents, and take it to the lender. Which program's rule, if any, will the loan apply to the unit, and will the appraisal be ordered with a rent schedule for it? Ask as well whether you qualify without the unit's rent, and how your housing payment and rental history sit against the conditions above. Those answers can come before an offer; the rent figure can't, because it usually arrives with an appraisal ordered once the contract is signed. That gap is the exposure: you'd be under contract before you know the figure the loan may depend on. The contract's appraisal exit turns on value against the price, not on the rent line, so if the loan depends on the rent, the New Loan Terms and New Loan Availability rows are the ones that matter, and our [guide to Colorado contract deadlines](https://truenorthboulder.com/guides/colorado-contract-deadlines-boulder/) walks all three. The bottom line An accessory unit helps you qualify from the monthly rent an appraiser can support, and only on a loan whose rules count it. Check the unit against the agency's definition and the local zoning first, then confirm in writing which rule your lender will apply. Looking at a house with a unit on the lot? If there's a house you're weighing, start with the lender's ADU policy in writing: which rule it will apply to the unit and how the appraisal will be ordered. We can help you get that, along with the town or county's answer on whether the unit is allowed at that address and a copy of the current lease from the seller. We don't make or price loans, and nothing here recommends one. [Ask about a house with a unit](https://truenorthboulder.com/contact/) Sources & data notes - Fannie Mae's current treatment of rent from the subject property, including the 75% factor on a purchase, the Form 1007 and transferred-lease documentation, the housing-payment requirement and the ADU limitations ("one existing ADU", purchase or limited cash-out refinance, 30% of total qualifying income), is [Selling Guide B3-3.8-02, Rental Income from the Subject Property](https://selling-guide.fanniemae.com/sel/b3-3.8-02/rental-income-subject-property?ref=truenorthboulder.com), version dated 09/02/2026. - The housing-payment definition and the 12-month property-management experience rule are [Selling Guide B3-3.8-01, General Rental Income Information](https://selling-guide.fanniemae.com/sel/b3-3.8-01/rental-income?ref=truenorthboulder.com), 09/02/2026\. The version in force before the restructuring, B3-3.1-08, Rental Income (10/08/2025), was read from an Internet Archive capture of 2026-02-27 and carries the same ADU limits and the 75% factor. - The short-term rental definition and the rule that short-term rental income "cannot be derived from an ADU" are [Selling Guide B3-3.8-03](https://selling-guide.fanniemae.com/sel/b3-3.8-03/rental-income-subject-property-short-term-rental?ref=truenorthboulder.com), 09/02/2026. - What counts as an ADU, including the kitchen minimum, the second-kitchen rule, one ADU per parcel and the examples, is [Selling Guide B2-3-04, Special Property Eligibility Considerations](https://selling-guide.fanniemae.com/sel/b2-3-04/special-property-eligibility-considerations?ref=truenorthboulder.com), 10/08/2025. - How the appraisal reports an ADU, the one-unit-versus-two-to-four-unit characteristics and the conditions under which a property with a unit zoning does not allow stays eligible are [Selling Guide B4-1.3-05, Improvements Section of the Appraisal Report](https://selling-guide.fanniemae.com/sel/b4-1.3-05/improvements-section-appraisal-report?ref=truenorthboulder.com), 06/04/2025\. That section and B3-3.8-02 say nothing about whether such a unit's rent may be counted; we report that as a checked silence. - HomeStyle construction of accessory units and the 15-month completion rule are [Selling Guide B5-3.2-01, HomeStyle Renovation Mortgages](https://selling-guide.fanniemae.com/sel/b5-3.2-01/homestyle-renovation-mortgages?ref=truenorthboulder.com), 12/10/2025. - The October 2025 policy change and the automated-underwriting timing are Fannie Mae Selling Guide Announcement SEL-2025-08 (Oct. 8, 2025), read from an Internet Archive capture of 2025-12-10 because Fannie's announcement host refuses automated retrieval. The September 2, 2026 restructuring is SEL-2026-08; its December 1, 2026 date for applications is from the announcement as reissued September 23, 2026, which moved it from November 1, and the September 2 issue date is confirmed on the rewritten guide pages themselves. - Freddie Mac's requirements are its [Accessory Dwelling Units fact sheet](https://sf.freddiemac.com/docs/pdf/fact-sheet/adu-fact-sheet.pdf?ref=truenorthboulder.com), February 2026\. The Seller/Servicer Guide chapter it refers to (Chapter 5306) is not readable to an ordinary fetch, so this page cites Freddie's own fact sheet and reports as "not stated" anything the fact sheet does not address. - FHA's rules on ADU rental income, the 203(k) 50% rule, the cash-out exclusion, the two-month reserve and the appraiser's protocol are [HUD Mortgagee Letter 2023-17](https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-17hsgml.pdf?ref=truenorthboulder.com), October 16, 2023, read in full. - The 2026 one-unit conforming loan limits are read from [FHFA's county loan limit list for 2026](https://www.fhfa.gov/data/conforming-loan-limit?ref=truenorthboulder.com): Boulder County $879,750; Larimer and Weld counties $832,750\. The "about $1.1 million" figure is arithmetic: $879,750 divided by 0.8. - That a City of Boulder rental license doesn't pass to a new owner is the city's Rental Housing Licensing (Long-Term) requirement to apply for a new license when ownership has changed, as read for our University Hill guide on 2026-08-02. - The $2,000 rent is an illustrative input, not a rent level for any unit in this area. Deliberately not included: any FHA county loan limit, any debt-to-income worked example, any ADU rent level or value figure for a town in this area, and any municipal ADU zoning rule (the Newlands guide carries the City of Boulder's) or the license handoff (the University Hill guide carries it). *Daniel Hsieh is a licensed Colorado real estate broker with *True North Boulder, brokered by eXp Realty*. This is general information, not tax, legal, or financial advice; confirm your specifics with your lender, a CPA or an attorney before you act. We are not a lender and cannot approve, price or promise any loan, and no lender is named on this page. Agency guides and loan limits change, and the county limits reset annually, so confirm the current rules with your lender, and confirm a unit's legal status with the town or county that has authority over the parcel.*