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California Conforming Loan Limits 2022

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 2022?

California 2022 Conforming Limits

Below you will find a table that is sorted alphabetically by California county.

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 $681,263 and have a loan of $647,200 and still be considered conforming.

California County Conforming Limits Table

California County1 Unit2 Units
Alameda$970,800$1,243,050
Alpine$647,200$828,700
Amador$647,200$828,700
Butte$647,200$828,700
Calaveras$647,200$828,700
Colusa$647,200$828,700
Contra Costa$970,800$1,243,050
Del Norte$647,200$828,700
El Dorado$675,050$864,200
Fresno$647,200$828,700
Glenn$647,200$828,700
Humboldt$647,200$828,700
Imperial$647,200$828,700
Inyo$647,200$828,700
Kern$647,200$828,700
Kings$647,200$828,700
Lake$647,200$828,700
Lassen$647,200$828,700
Los Angeles$970,800$1,243,050
Madera$647,200$828,700
Marin$970,800$1,243,050
Mariposa$647,200$828,700
Mendocino$647,200$828,700
Merced$647,200$828,700
Modoc$647,200$828,700
Mono$647,200$828,700
Monterey$854,450$1,093,850
Napa$897,000$1,148,350
Nevada$647,200$828,700
Orange$970,800$1,243,050
Placer$675,050$864,200
Plumas$647,200$828,700
Riverside$647,200$828,700
Sacramento$675,050$864,200
San Benito$970,800$1,243,050
San Bernardino$647,200$828,700
San Diego$879,750$1,126,250
San Francisco$970,800$1,243,050
San Joaquin$647,200$828,700
San Luis Obispo$805,000$1,030,550
San Mateo$970,800$1,243,050
Santa Barbara$783,150$1,002,600
Santa Clara$970,800$1,243,050
Santa Cruz$970,800$1,243,050
Shasta$647,200$828,700
Sierra$647,200$828,700
Siskiyou$647,200$828,700
Solano$647,200$828,700
Sonoma$764,750$979,000
Stanislaus$647,200$828,700
Sutter$647,200$828,700
Tehama$647,200$828,700
Trinity$647,200$828,700
Tulare$647,200$828,700
Tuolumne$647,200$828,700
Ventura$851,000$1,089,450
Yolo$675,050$864,200
Yuba$647,200$828,700

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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