Alaska Mortgage Guides 2026
This complete Alaska mortgage guide covers 2026 FHA loan limits across all 30 boroughs and census areas, Alaska’s $1,249,125 conforming limit, Alaska Housing Finance Corporation loans, USDA income limits on and off the road system, VA guidance including Joint Base Elmendorf-Richardson and Eielson Air Force Base, and a closing cost breakdown built on the statewide recording fees — in one place.
Everything You Need for an Alaska Home Purchase
Six in-depth guides covering every stage of buying a home in Alaska — from choosing a loan program to knowing exactly what you will pay at the closing table.
Alaska Mortgage Guide
FHA limits for all 30 boroughs and census areas, Alaska’s higher $1,249,125 conforming limit, a loan program comparison, Alaska property taxes, statewide recording fees, and how its regions shape your financing.
Read guide →Alaska First-Time Home Buyer Guide
Alaska Housing’s First Home Limited and First Home loans, the targeted-area and veteran exceptions, area-by-area income and acquisition cost limits, and loan options such as the 97% loan-to-value option.
Read guide →Alaska FHA Loan Requirements
2026 FHA limits for all 30 Alaska boroughs and census areas, including the higher Juneau, Sitka, Aleutians West and Kodiak limits, HUD’s credit and minimum investment rules, FHA mortgage insurance, and FHA with Alaska Housing.
Read guide →Alaska VA Loan Requirements
VA entitlement and why full entitlement carries no county loan cap, the 2026 funding fee tables and exemptions, Joint Base Elmendorf-Richardson and Eielson Air Force Base, and Alaska Housing’s veterans programs.
Read guide →Alaska USDA Loans
FY2026 USDA income limits for Alaska’s road-system and off-road-system areas, how to check an address for eligibility, guarantee fees, and how zero-down USDA compares with FHA.
Read guide →Alaska Closing Costs Guide
The statewide Recorder’s Office fees, how title insurance rates are filed with the state, how an Alaska closing runs, and a fee-by-fee breakdown for buyers and sellers.
Read guide →Key Alaska Mortgage Guide Facts
FHA Loan Limits (2026)
- 26 of 30 areas: $541,287
- Juneau: $596,850
- Sitka: $586,500
- Conforming limit, statewide: $1,249,125
- HUD FHA mortgage limits lookup
Alaska Housing Loans
- First Home Limited: lower rate for first-time buyers
- Income limit, most areas: $120,300 (1–2 people)
- Acquisition cost limit, most areas: $566,354
- Fixed rate for 15 or 30 years
- Alaska Housing Finance Corporation
Property Taxes
- Est. effective rate: 1.11%
- Median annual real estate tax bill: $3,901
- Median owner-occupied home value: $352,900
- Census ACS 2020–2024 5-year table B25103
Closing Cost Highlights
- Recording, first page: $20
- Each additional page: $5
- Title insurance rates filed with the state
- DNR Recorder’s Office fees
Buying or Refinancing in Alaska?
Alaska’s conforming limit is $1,249,125 statewide, FHA sits at $541,287 in most of the state but runs higher in Juneau, Sitka, Aleutians West and Kodiak, and USDA sets a higher income limit for areas off the road system. Which of those apply to you changes what you can afford.
- ✓ Confirm current programs and limits at Alaska Housing Finance Corporation
- ✓ Check your area’s First Home Limited income and acquisition cost limits
- ✓ Find out whether your address is on or off the road system for USDA
- ✓ Compare an Alaska Housing loan against a straight FHA, VA or USDA loan
Coming soon · No obligation · Educational first
Alaska Advisor Network — Coming Soon
We currently connect buyers with licensed mortgage advisors in Florida and Utah. Alaska is on our expansion list. In the meantime, our Alaska guides and the official program links above have everything you need to research your purchase.
Join the Alaska Waitlist