California Conforming Loan Limits by County

2021 Fannie Mae, Freddie Mac conforming and jumbo mortgage loan limits. Popular areas include Los Angeles, Orange County, Sacramento, San Diego, San Francisco and San Jose California.

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The average homebuyer in California is looking for a typical home and mortgage—and knowing conforming loan limits can help guide a buyer to finding generous mortgage terms. The conforming loan is a mortgage that fits the guidelines used by Fannie Mae and Freddie Mac, the federal mortgage companies established by the U.S. Congress to stabilize the housing industry. Through the Federal Housing Finance Agency (FHFA), conforming loan limits maximum dollar amounts established to reflect average home prices—are set annually. As the economy fluctuates, so does the mortgage market, so the FHFA House Price Index offers the broad measurement necessary to show the ebb and flow of a changing market. The FHFA House Price Index provides an exhaustive compilation of housing sales (both new sales and refinances) from all U.S. housing markets to accurately reflect trends.

The combination of the FHFA HPI and Fannie Mae and Freddie Mac standards shape the mortgage industry, offering guidance for standard practices in home lending. By meeting these standards, which vary from state to state, conforming loans often offer a lower interest rate and down payment as well as being easier to qualify for with more generous credit score requirements. For lenders, conforming loans are attractive on the resale market, so they are eager to provide a product that has value with the initial loan and is also a safe investment to be sold in the secondary mortgage market. This means that borrowers have a wider market of potential lenders to choose from, increasing the chance of obtaining the best mortgage terms in California.

Conforming loan limits per county for single units.

County

Property tax rate

Conforming limit

Alameda County

0.78%

$822,375

Alpine County

0.82%

$548,250

Amador County

0.74%

$548,250

Butte County

0.74%

$548,250

Calaveras County

0.81%

$548,250

Colusa County

0.68%

$548,250

Contra Costa County

0.85%

$822,375

Del Norte County

0.73%

$548,250

El Dorado County

0.76%

$598,000

Fresno County

0.82%

$548,250

Glenn County

0.75%

$548,250

Humboldt County

0.67%

$548,250

Imperial County

0.91%

$548,250

Inyo County

0.76%

$548,250

Kern County

1.00%

$548,250

Kings County

0.76%

$548,250

Lake County

0.86%

$548,250

Lassen County

0.77%

$548,250

Los Angeles County

0.72%

$822,375

Madera County

0.76%

$548,250

Marin County

0.77%

$822,375

Mariposa County

0.71%

$548,250

Mendocino County

0.69%

$548,250

Merced County

0.75%

$548,250

Modoc County

0.88%

$548,250

Mono County

0.78%

$548,250

Monterey County

0.71%

$739,450

Napa County

0.68%

$816,500

Nevada County

0.78%

$548,250

Orange County

0.69%

$822,375

Placer County

0.92%

$598,000

Plumas County

0.69%

$548,250

Riverside County

0.95%

$548,250

Sacramento County

0.81%

$598,000

San Benito County

0.82%

$822,375

San Bernardino County

0.81%

$548,250

San Diego County

0.73%

$753,250

San Francisco County

0.64%

$822,375

San Joaquin County

0.85%

$548,250

San Luis Obispo County

0.71%

$701,500

San Mateo County

0.65%

$822,375

Santa Barbara County

0.66%

$660,100

Santa Clara County

0.73%

$822,375

Santa Cruz County

0.66%

$822,375

Shasta County

0.76%

$548,250

Sierra County

0.88%

$548,250

Siskiyou County

0.77%

$548,250

Solano County

0.82%

$550,850

Sonoma County

0.70%

$707,250

Stanislaus County

0.77%

$548,250

Sutter County

0.90%

$548,250

Tehama County

0.67%

$356,362

Trinity County

0.52%

$548,250

Tulare County

0.78%

$548,250

Tuolumne County

0.76%

$548,250

Ventura County

0.73%

$739,450

Yolo County

0.87%

$598,000

Yuba County

0.86%

$548,250

County

Tax Rate

Limit

Alameda County

0.78%

$822,375

Alpine County

0.82%

$548,250

Amador County

0.74%

$548,250

Butte County

0.74%

$548,250

Calaveras County

0.81%

$548,250

Colusa County

0.68%

$548,250

Contra Costa County

0.85%

$822,375

Del Norte County

0.73%

$548,250

El Dorado County

0.76%

$598,000

Fresno County

0.82%

$548,250

Glenn County

0.75%

$548,250

Humboldt County

0.67%

$548,250

Imperial County

0.91%

$548,250

Inyo County

0.76%

$548,250

Kern County

1.00%

$548,250

Kings County

0.76%

$548,250

Lake County

0.86%

$548,250

Lassen County

0.77%

$548,250

Los Angeles County

0.72%

$822,375

Madera County

0.76%

$548,250

Marin County

0.77%

$822,375

Mariposa County

0.71%

$548,250

Mendocino County

0.69%

$548,250

Merced County

0.75%

$548,250

Modoc County

0.88%

$548,250

Mono County

0.78%

$548,250

Monterey County

0.71%

$739,450

Napa County

0.68%

$816,500

Nevada County

0.78%

$548,250

Orange County

0.69%

$822,375

Placer County

0.92%

$598,000

Plumas County

0.69%

$548,250

Riverside County

0.95%

$548,250

Sacramento County

0.81%

$598,000

San Benito County

0.82%

$822,375

San Bernardino County

0.81%

$548,250

San Diego County

0.73%

$753,250

San Francisco County

0.64%

$822,375

San Joaquin County

0.85%

$548,250

San Luis Obispo County

0.71%

$701,500

San Mateo County

0.65%

$822,375

Santa Barbara County

0.66%

$660,100

Santa Clara County

0.73%

$822,375

Santa Cruz County

0.66%

$822,375

Shasta County

0.76%

$548,250

Sierra County

0.88%

$548,250

Siskiyou County

0.77%

$548,250

Solano County

0.82%

$550,850

Sonoma County

0.70%

$707,250

Stanislaus County

0.77%

$548,250

Sutter County

0.90%

$548,250

Tehama County

0.67%

$356,362

Trinity County

0.52%

$548,250

Tulare County

0.78%

$548,250

Tuolumne County

0.76%

$548,250

Ventura County

0.73%

$739,450

Yolo County

0.87%

$598,000

Yuba County

0.86%

$548,250

The conforming loan limit in Los Angeles California is $822,375.
The conforming loan limit in San Diego California is $753,250.
The conforming loan limit in San Jose California is $822,375.
The conforming loan limit in San Francisco California is $822,375.
The conforming loan limit in Fresno California is $548,250.

Get started with a purchase or refinance mortgage loan today in California.

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