source:
  type: regulation
  id: fnma-2026-ami-limits
  authority: Fannie Mae Selling Notice — Area Median Incomes 2026
  status: in-force
  description: 'Fannie Mae Selling Notice: the 2026 Area Median Income (AMI) limits, effective June 13, 2026, implemented in Desktop Underwriter, Loan Delivery, and the AMI Lookup Tool. Governs affordable-program eligibility and certain LLPA waivers. Snapshot from Fannie Mae media server.'
obligations:
- id: fnma-2026-ami-limits-ami-effective
  canonical_id: fnma-2026-ami-limits-ami-effective
  section: Fannie 2026 AMI limits — effective June 13, 2026
  description: The 2026 Area Median Income limits are effective June 13, 2026 (implemented in DU, Loan Delivery, and the AMI Lookup Tool).
  type: do
  audit_question: Has [LENDER] applied the 2026 AMI limits to affected products for application/casefile dates on or after June 13, 2026?
  workflow_phase: origination
  owner_role: cco
  secondary_owner_role: cco
  cadence: per-bulletin
  consequence: Missing a GSE bulletin change risks repurchase, servicing penalties, or non-compliance findings.
  tags:
  - fnma
  - ami
  - income-limits
  - affordable
  - effective-2026-06-13
  - promoted
  primary_source:
    tier: 1
    authority: Fannie Mae Selling Notice — Area Median Incomes 2026
    source_class: gse-bulletin
    source_url: https://singlefamily.fanniemae.com/media/47196/display
    snapshot_id: 46d3e96aa332d462
    fetched_at: '2026-06-08T00:00:00Z'
    content_hash: sha256:placeholder-snapshot-content-hash-from-source-json
    paragraph_quote: 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.
    drafter_attestation: Verbatim from Fannie Selling Notice snapshot. 2026 AMI effective date.
  program_review: Does the program apply the 2026 AMI limits from the June 13, 2026 effective date?
  file_review: On affordable-product files dated on/after June 13, 2026, confirm 2026 AMI limits were used.
  judgment: false
