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California Conforming, FHA & VA Loan Limits by County

California mortgage loan 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:

  • $424,100 most counties
  • $636,150 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:

  • $424,100 most counties
  • $636,150 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:

  • $275,665 floor in low-cost areas,
  • 115% of median home prices in the county, or a maximum of
  • $636,150 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 NameConforming and VA LimitsFHA Loan Limit
ALAMEDA$636,150$636,150
ALPINE$463,450$463,450
AMADOR$424,100$332,350
BUTTE$424,100$293,250
CALAVERAS$424,100$373,750
COLUSA$424,100$275,665
CONTRA COSTA$636,150$636,150
DEL NORTE$424,100$275,665
EL DORADO$488,750$488,750
FRESNO$424,100$281,750
GLENN$424,100$275,665
HUMBOLDT$424,100$327,750
IMPERIAL$424,100$275,665
INYO$424,100$369,150
KERN$424,100$275,665
KINGS$424,100$275,665
LAKE$424,100$275,665
LASSEN$424,100$275,665
LOS ANGELES$636,150$636,150
MADERA$424,100$275,665
MARIN$636,150$636,150
MARIPOSA$424,100$322,000
MENDOCINO$424,100$373,750
MERCED$424,100$275,665
MODOC$424,100$275,665
MONO$529,000$529,000
MONTEREY$575,000$575,000
NAPA$636,150$636,150
NEVADA$477,250$477,250
ORANGE$636,150$636,150
PLACER$488,750$488,750
PLUMAS$424,100$336,950
RIVERSIDE$424,100$379,500
SACRAMENTO$488,750$488,750
SAN BENITO$636,150$636,150
SAN BERNARDINO$424,100$379,500
SAN DIEGO$612,950$612,950
SAN FRANCISCO$636,150$636,150
SAN JOAQUIN$424,100$362,250
SAN LUIS OBISPO$586,500$586,500
SAN MATEO$636,150$636,150
SANTA BARBARA$625,500$636,150
SANTA CLARA$636,150$636,150
SANTA CRUZ$636,150$636,150
SHASTA$424,100$275,665
SIERRA$424,100$304,750
SISKIYOU$424,100$275,665
SOLANO$431,250$431,250
SONOMA$595,700$595,700
STANISLAUS$424,100$299,000
SUTTER$424,100$276,000
TEHAMA$424,100$275,665
TRINITY$424,100$275,665
TULARE$424,100$275,665
TUOLUMNE$424,100$331,200
VENTURA$636,150$636,150
YOLO$488,750$488,750
YUBA$424,100$276,000

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.