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Announcement 2026-042 2026 Area Median Income Limits

Announcement 2026-042 2026 Area Median Income Limits

2026 Area Median Income Limits

Newrez LLC "Newrez" Approved Correspondent Clients; Newrez has updated the Area Median Income Limits for 2026 provided by Federal Housing Agency (FHFA), the regulator of Fannie Mae and Freddie Mac.

Fannie Mae Guidance-Effective date June 13, 2026

The 2026 AMIs will be implemented in Desktop Underwriter® (DU®), Loan Delivery, and the Area Median Income Lookup Tool on or before June 12, 2026, with an effective date of June 13, 2026.

DU will continue to apply the AMIs based on the casefile creation date. DU will apply the 2026 limits to new DU loan casefiles created on or after June 13th. Loan casefiles created prior to April 13th will continue to use the 2025 limits.

To align more closely with the DU implementation, and to ensure loans are not affected by AMI limits that decreased in 2026, continue to use the Application Received Date provided in Loan Delivery (Sort ID 224) to determine which AMI limit to use when evaluating eligibility for the LLPA waiver. Loans with Application Received Dates prior to June 13th will use the 2025 AMI limits, and loans with Application Received Dates on and after June 13th will be subject to the 2026 AMI limits for the purpose of applying the waiver.

Freddie Mac Guidance-Effective date June 13, 2026

Loan Product Advisor® will be updated on June 13, 2026, to reflect the 2026 Area Median Income limits. In addition, the following tools and application programming interfaces (APIs) will be updated on June 13, 2026, to reflect the updated limits:

 

§  Home Possible® Income & Property Eligibility tool

§  Refi Possible® Income & Eligibility tool

§  Area Median Income and Property Eligibility tool

§  Income Limits and Affordable Check APIs

 

Loan Product Advisor determination of Home Possible eligibility

IF the Mortgage is submitted as Home Possible on or after June 13, 2026

THEN the following income limits are applied…

For the following resubmissions:

·         The last submission before the effective date was also a Home Possible Mortgage, and

·         The income limits were met.

The better of the following income limits:

·         2025 Area Median Income limits at 80% of the Area Median Income

OR

·         2026 Area Median Income limits at 80% of the Area Median Income

For the following submissions:

·         The Mortgage is submitted for the first time,

·         The Key Number cannot be identified, or

·         The last submission before the effective date was not submitted as Home Possible and /or did not meet

the income eligibility limits.

2026 Area Median Income limits at 80% of the Area Median Income

Loan Product Advisor Determination of Refi Possible Eligibility

IF the Mortgage is submitted or resubmitted as a Refi Possible Mortgage

on or after June 13, 2026

THEN the 2026 AMI limits apply at 100% of the Area Median Income.

Area Median Income used by Loan Product Advisor for
Mortgages other than Home Possible or Refi Possible

IF the Mortgage is submitted or resubmitted on or after June 13, 2026

THEN consistent with existing functionality, Loan Product Advisor will

use the 2026 Area Median Income