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California Conforming Loan Limits 2023

An annually updated page showing Fannie Mae and Freddie Mac Conforming loan limits.

What is a Conforming Loan Limit? Both Fannie Mae and Freddie Mac set limits on home loans that they will buy or guarantee. The Federal Housing Finance Agency (FHFA) publishes annual conforming loan limits that apply to all conventional mortgages delivered to Fannie Mae and Freddie Mac.

Looking for California FHA loan limits for 2023?

California 2023 Conforming Limits

The Federal Housing Finance Agency has set the conforming loan limits for mortgages to be acquired by Fannie Mae and Freddie Mac in 2023. In most of California, the single-family residences loan limit is $726,200, an increase of $79,000 from $647,200 in 2022.​ For a duplex residence or residences established as 2 units, the loan limit is $929,850, an increase of $101,150 from $828,700. Guild Mortgage has made these limits available immediately.

See below for a table that is sorted alphabetically by California county as some counties have high-cost loan limits available.

1-Unit - Likely a single-family home, these limits are for the majority of homes purchased in California.

2-Unit - Commonly known as a duplex, if you are purchasing a property that has two units under a single structure, then follow the 2-unit loan limit column.

3-4-Unit conforming limits are available upon request. This wasn't provided to improve the mobile experience.

A note about these California conforming limits: These are conforming loan limits. You are able to purchase a property over these limits with a down payment. As an example, and if you qualify, if your goal is to put 5% down on a property and that property is located in San Bernardino County California, you could purchase a property up to $764,421 and have a loan of $726,200 and still be considered conforming.

California County Conforming Limits Table

California County1 Unit2 Units
Alameda$1,089,300$1,394,775
Alpine$726,200$929,850
Amador$726,200$929,850
Butte$726,200$929,850
Calaveras$726,200$929,850
Colusa$726,200$929,850
Contra Costa$1,089,300$1,394,775
Del Norte$726,200$929,850
El Dorado$763,600$977,550
Fresno$726,200$929,850
Glenn$726,200$929,850
Humboldt$726,200$929,850
Imperial$726,200$929,850
Inyo$726,200$929,850
Kern$726,200$929,850
Kings$726,200$929,850
Lake$726,200$929,850
Lassen$726,200$929,850
Los Angeles$1,089,300$1,394,775
Madera$726,200$929,850
Marin$1,089,300$1,394,775
Mariposa$726,200$929,850
Mendocino$726,200$929,850
Merced$726,200$929,850
Modoc$726,200$929,850
Mono$726,200$929,850
Monterey$915,400$1,171,900
Napa$1,017,750$1,302,900
Nevada$726,200$929,850
Orange$1,089,300$1,394,775
Placer$763,600$977,550
Plumas$726,200$929,850
Riverside$726,200$929,850
Sacramento$763,600$977,550
San Benito$1,089,300$1,394,775
San Bernardino$726,200$929,850
San Diego$977,500$1,251,400
San Francisco$1,089,300$1,394,775
San Joaquin$726,200$929,850
San Luis Obispo$911,950$1,167,450
San Mateo$1,089,300$1,394,775
Santa Barbara$805,000$1,030,550
Santa Clara$1,089,300$1,394,775
Santa Cruz$1,089,300$1,394,775
Shasta$726,200$929,850
Sierra$726,200$929,850
Siskiyou$726,200$929,850
Solano$726,200$929,850
Sonoma$861,350$1,102,700
Stanislaus$726,200$929,850
Sutter$726,200$929,850
Tehama$726,200$929,850
Trinity$726,200$929,850
Tulare$726,200$929,850
Tuolumne$726,200$929,850
Ventura$948,750$1,214,600
Yolo$763,600$977,550
Yuba$726,200$929,850

Important Disclaimers

The content on this page provides general consumer information. It is not legal advice or regulatory guidance. Scott Buehler updates this information periodically. This information may include links or references to third-party resources or content. Scott Buehler or Guild Mortgage does not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that may also serve your needs. Guild Mortgage does not offer real estate services. Contact a licensed Real Estate Agent for real estate information. Guild Mortgage does not provide credit repair services. Guild Mortgage does not offer tax services. Contact your tax preparer for advice on your personal or business taxes.
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