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California Conforming Loan Limits 2024

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 2024?

California 2024 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 $766,550, an increase of $40,350 from $726,200 in 2023.​ For a duplex residence or residences established as 2 units, the loan limit is $981,500, an increase of $51,650 from $929,850. 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 $806,894 and have a loan of $766,550 and still be considered conforming.

California County Conforming Limits Table

California County1 Unit2 Units
Alameda$1,149,825$1,472,250
Alpine$766,550$981,500
Amador$766,550$981,500
Butte$766,550$981,500
Calaveras$766,550$981,500
Colusa$766,550$981,500
Contra Costa$1,149,825$1,472,250
Del Norte$766,550$981,500
El Dorado$766,550$981,500
Fresno$766,550$981,500
Glenn$766,550$981,500
Humboldt$766,550$981,500
Imperial$766,550$981,500
Inyo$766,550$981,500
Kern$766,550$981,500
Kings$766,550$981,500
Lake$766,550$981,500
Lassen$766,550$981,500
Los Angeles$1,149,825$1,472,250
Madera$766,550$981,500
Marin$1,149,825$1,472,250
Mariposa$766,550$981,500
Mendocino$766,550$981,500
Merced$766,550$981,500
Modoc$766,550$981,500
Mono$766,550$981,500
Monterey$920,000$1,177,750
Napa$1,017,750$1,302,900
Nevada$766,550$981,500
Orange$1,149,825$1,472,250
Placer$766,550$981,500
Plumas$766,550$981,500
Riverside$766,550$981,500
Sacramento$766,550$981,500
San Benito$1,149,825$1,472,250
San Bernardino$766,550$981,500
San Diego$1,006,250$1,288,200
San Francisco$1,149,825$1,472,250
San Joaquin$766,550$981,500
San Luis Obispo$929,200$1,189,550
San Mateo$1,149,825$1,472,250
Santa Barbara$838,350$1,073,250
Santa Clara$1,149,825$1,472,250
Santa Cruz$1,149,825$1,472,250
Shasta$766,550$981,500
Sierra$766,550$981,500
Siskiyou$766,550$981,500
Solano$766,550$981,500
Sonoma$877,450$1,123,300
Stanislaus$766,550$981,500
Sutter$766,550$981,500
Tehama$766,550$981,500
Trinity$766,550$981,500
Tulare$766,550$981,500
Tuolumne$766,550$981,500
Ventura$954,500$1,221,950
Yolo$766,550$981,500
Yuba$766,550$981,500

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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