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.

Take it with you! For convenience, I've provided a downloadable and printable conforming loan limit PDF above that can be referenced when looking for properties. Simply look up the county that your property is located and reference the conforming limit on this page. 

REALTORS® and Real Estate Agents!

The above printable flyer is available to share with your California clients. Please reach out to Scott Buehler for more information.

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 20% down on a property and that property is located in San Bernardino County California, you could purchase a property up to $781,250 and have a loan of $625,000 and still be considered conforming.


10/14/2021 Alert: The standard loan limit of $548,250 has been increased to $625,000 and are currently being accepted. All "high balance" Conforming loan limits will be increased in the months ahead.

California County

1 Unit

2 Units

Alameda

$822,375

$1,053,000

Alpine

$625,000

$800,250

Amador

$625,000

$800,250

Butte

$625,000

$800,250

Calaveras

$625,000

$800,250

Colusa

$625,000

$800,250

Contra Costa

$822,375

$1,053,000

Del Norte

$625,000

$800,250

El Dorado

$625,000

$800,250

Fresno

$625,000

$800,250

Glenn

$625,000

$800,250

Humboldt

$625,000

$800,250

Imperial

$625,000

$800,250

Inyo

$625,000

$800,250

Kern

$625,000

$800,250

Kings

$625,000

$800,250

Lake

$625,000

$800,250

Lassen

$625,000

$800,250

Los Angeles

$822,375

$1,053,000

Madera

$625,000

$800,250

Marin

$822,375

$1,053,000

Mariposa

$625,000

$800,250

Mendocino

$625,000

$800,250

Merced

$625,000

$800,250

Modoc

$625,000

$800,250

Mono

$625,000

$800,250

Monterey

$739,450

$946,650

Napa

$816,500

$1,045,250

Nevada

$625,000

$800,250

Orange

$822,375

$1,053,000

Placer

$625,000

$800,250

Plumas

$625,000

$800,250

Riverside

$625,000

$800,250

Sacramento

$625,000

$800,250

San Benito

$822,375

$1,053,000

San Bernardino

$625,000

$800,250

San Diego

$753,250

$964,300

San Francisco

$822,375

$1,053,000

San Joaquin

$625,000

$800,250

San Luis Obispo

$701,500

$898,050

San Mateo

$822,375

$1,053,000

Santa Barbara

$660,100

$845,050

Santa Clara

$822,375

$1,053,000

Santa Cruz

$822,375

$1,053,000

Shasta

$625,000

$800,250

Sierra

$625,000

$800,250

Siskiyou

$625,000

$800,250

Solano

$625,000

$800,250

Sonoma

$707,250

$905,400

Stanislaus

$625,000

$800,250

Sutter

$625,000

$800,250

Tehama

$625,000

$800,250

Trinity

$625,000

$800,250

Tulare

$625,000

$800,250

Tuolumne

$625,000

$800,250

Ventura

$739,450

$946,650

Yolo

$625,000

$800,250

Yuba

$625,000

$800,250

Over the conforming limit?

After your down payment budget, if your home purchase is over the conforming loan limit for your preferred California county, consider talking to Scott about his California Jumbo home loan options!

Are you currently home shopping?

If you are currently home shopping in California but haven't spoken to a home loan lender about the home loan process, consider Scott Buehler as your Loan Officer! Whether you are a first-time or experienced homebuyer, Scott Buehler would be thrilled to be by your side throughout the home purchase process!


Begin your 60-second questionnaire to get started! Scott will happily guide you through the process, issue you a prequalification letter to your real estate agent after a loan review and help you with your home loan options.

About Scott Buehler

Scott Buehler Your Mortgage Consultant

Welcome to an exceptional home buying experience with Scott Buehler, a Senior Mortgage Consultant, by your side. I'm a proud father of three, a homeowner, hiker, biker, writer and love being around water (my zen place).

My goal is to be your Loan Officer for life. I'm here to help you finance your first home and every loan after. It is my hope this website and all guides establish me as your go-to professional for you, your family, friends, neighbors and everyone in-between.

Disclaimer

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 Veritas Funding 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. Veritas Funding does not offer real estate services. Contact a licensed Real Estate Agent for real estate information. Veritas Funding does not provide credit repair services. Veritas Funding does not offer tax services. Contact your tax preparer for advice on your personal or business taxes.

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