California Conforming, FHA & VA Loan Limits by County

California Mortgage Limits

California Loan Limits

California Conventional Loan Limits

California conventional loans limits cap the size of mortgages so that they meet Fannie Mae and Freddie Mac guidelines. Those two government-sponsored entities (GSEs) buy mortgages and securitize them which in turn keeps the home financing market liquid. Most loans made between lenders and borrowers are ultimately delivered to Fannie or Freddie.

Loan limits are set by the Federal Housing Finance Agency (FHFA), a division of HUD that regulates the GSEs. The FHFA monitors the House Price Index (HPI) and revises loan limits annually. Limits are set on a regional basis, by county within California. Conventional loans come in two flavors, conforming and non-conforming.

  • Conforming loans meet do not exceed conforming loan limits.
  • Non-conforming loans exceed FHFA’s conforming limits and are called jumbo loans.

For one-unit properties, the California conforming loan limits are:

  • $453,100 most counties
  • $679,550 in high-cost counties

California VA Loan Limits

California VA loan limits are identical to conventional/conforming loan limits. Most lenders will not make VA loans in amounts that exceed conforming limits. For one-unit properties in California, the VA typically guarantees 25% of a loan amount up to:

  • $453,100 most counties
  • $679,550 in high-cost counties

California FHA Loan Limits

FHA loan limits are set by Federal Housing Authority (FHA), another division of HUD. FHA loan limits are set on a county-by-county basis, based on median home prices in the area. To qualify for FHA mortgage insurance, loans must not exceed the cap. For one-unit properties, the FHA loan limits are:

  • $294,515 floor in low-cost areas,
  • 115% of median home prices in the county, or a maximum of
  • $679,650 ceiling in high-cost areas.

Conforming, VA and FHA Loan Limits by County

Below, you can find conforming, VA and FHA loan limits by county in California. The loan limit shown is for a single-family residence. Multi-family units (like duplexes) go higher.

County 1-Unit 2-Units 3-Units 4-Units
Alameda $679,650 $870,225 $1,051,875 $1,307,175
Alpine $463,450 $593,300 $717,150 $891,250
Amador $453,100 $580,150 $701,250 $871,450
Butte $453,100 $580,150 $701,250 $871,450
Calaveras $453,100 $580,150 $701,250 $871,450
Colusa $453,100 $580,150 $701,250 $871,450
Contra Costa $679,650 $870,225 $1,051,875 $1,307,175
Del Norte $453,100 $580,150 $701,250 $871,450
El Dorado $517,500 $662,500 $800,800 $995,200
Fresno $453,100 $580,150 $701,250 $871,450
Glenn $453,100 $580,150 $701,250 $871,450
Humboldt $453,100 $580,150 $701,250 $871,450
Imperial $453,100 $580,150 $701,250 $871,450
Inyo $453,100 $580,150 $701,250 $871,450
Kern $453,100 $580,150 $701,250 $871,450
Kings $453,100 $580,150 $701,250 $871,450
Lake $453,100 $580,150 $701,250 $871,450
Lassen $453,100 $580,150 $701,250 $871,450
Los Angeles $679,650 $870,225 $1,051,875 $1,307,175
Madera $453,100 $580,150 $701,250 $871,450
Marin $679,650 $870,225 $1,051,875 $1,307,175
Mariposa $453,100 $580,150 $701,250 $871,450
Mendocino $453,100 $580,150 $701,250 $871,450
Merced $453,100 $580,150 $701,250 $871,450
Modoc $453,100 $580,150 $701,250 $871,450
Mono $529,000 $677,200 $818,600 $1,017,300
Monterey $615,250 $787,650 $952,050 $1,183,200
Napa $679,650 $870,225 $1,051,875 $1,307,175
Nevada $477,250 $610,950 $738,500 $917,800
Orange $679,650 $870,225 $1,051,875 $1,307,175
Placer $517,500 $662,500 $800,800 $995,200
Plumas $453,100 $580,150 $701,250 $871,450
Riverside $453,100 $580,150 $701,250 $871,450
Sacramento $517,500 $662,500 $800,800 $995,200
San Benito $679,650 $870,225 $1,051,875 $1,307,175
San Bernardino $453,100 $580,150 $701,250 $871,450
San Diego $649,750 $831,800 $1,005,450 $1,249,550
San Francisco $679,650 $870,225 $1,051,875 $1,307,175
San Joaquin $453,100 $580,150 $701,250 $871,450
San Luis Obispo $615,250 $787,650 $952,050 $1,183,200
San Mateo $679,650 $870,225 $1,051,875 $1,307,175
Santa Barbara $625,500 $800,775 $967,950 $1,202,925
Santa Clara $679,650 $870,225 $1,051,875 $1,307,175
Santa Cruz $679,650 $870,225 $1,051,875 $1,307,175
Shasta $453,100 $580,150 $701,250 $871,450
Sierra $453,100 $580,150 $701,250 $871,450
Siskiyou $453,100 $580,150 $701,250 $871,450
Solano $460,000 $588,850 $711,800 $884,600
Sonoma $648,600 $830,300 $1,003,650 $1,247,300
Stanislaus $453,100 $580,150 $701,250 $871,450
Sutter $453,100 $580,150 $701,250 $871,450
Tehama $453,100 $580,150 $701,250 $871,450
Trinity $453,100 $580,150 $701,250 $871,450
Tulare $453,100 $580,150 $701,250 $871,450
Tuolumne $453,100 $580,150 $701,250 $871,450
Ventura $672,750 $861,250 $1,041,050 $1,293,750
Yolo $517,500 $662,500 $800,800 $995,200
Yuba $453,100 $580,150 $701,250 $871,450

Alameda County includes cities of Oakland, Berkeley, Livermore, Fremont and Pleasanton.

Contra Costa County includes cities of Concord, Richmond, Antioch, San Ramon, Walnut Creek and Danville.

Fresno County includes cities of Fresno and Clovis.

Kern County includes city of Bakersfield.

Los Angeles County includes cities of Los Angeles, Long Beach, Glendale, Santa Clarita, Lancaster, Palmdale, Pomona, Torrance, Pasadena, El Monte, Downey, Inglewood, West Covina, Norwalk, Burbank, Santa Monica and Malibu.

Orange County includes cities of Anaheim, Santa Ana, Irvine, Huntington Beach, Garden Grove, Orange, Fullerton, Costa Mesa, Mission Viejo, Westminster, Newport Beach, Buena Park, Lake Forest and Tustin.

Riverside County includes cities of Riverside, Moreno Valley, Corona, Murrieta, Temecula, Jurupa Valley, Palm Springs and Palm Desert.

Sacramento County includes cities of Sacramento, Elk Grove, Citrus Heights, Folsom, Rancho Cordova and Carmichael.

San Bernardino County includes cities of San Bernardino, Fontana, Rancho Cucamonga, Ontario, Victorville, Rialto and Chino.

San Diego County includes cities of San Diego, Chula Vista, Oceanside, Escondido and Carlsbad.

San Joaquin County includes cities of Stockton, Tracy, Manteca and Lodi.

San Mateo County includes cities of San Mateo, Daly City and Redwood City.

Santa Clara County includes cities of San Jose, Sunnyvale, Santa Clara, Mountain View, Milpitas, Palo Alto and Cupertino.

Sonoma County includes city of Santa Rosa.

Stanislaus County includes cities of Modesto, Turlock and Ceres.

Ventura County includes cities of Oxnard, Thousand Oaks, Simi Valley and Ventura.

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