Fannie Mae and Freddie Mac
Conventional loans follow Fannie Mae or Freddie Mac underwriting guidelines. Conventional minimum loan limits are set nationwide.
Conventional loan limits can be higher than the conforming loan limit in high cost Counties. High cost Counties get to enjoy all of the benefits of traditional conforming underwriting guidelines.
Conventional loans allow as little as a 3% to 5% down payment when buying your primary residence.
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California Conventional Loan Limits by County
| County | 1 Unit SFR | 2 Unit Duplex | 3 Unit Triplex | 4 Unit Fourplex |
|---|---|---|---|---|
| ALAMEDA COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| ALPINE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| AMADOR COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BUTTE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALAVERAS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COLUSA COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CONTRA COSTA COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| DEL NORTE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| EL DORADO COUNTY | $598,000 | $765,550 | $925,350 | $1,150,000 |
| FRESNO COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GLENN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HUMBOLDT COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| IMPERIAL COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| INYO COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KERN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KINGS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LAKE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LASSEN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LOS ANGELES COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| MADERA COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MARIN COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| MARIPOSA COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MENDOCINO COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MERCED COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MODOC COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MONO COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MONTEREY COUNTY | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| NAPA COUNTY | $816,500 | $1,045,250 | $1,263,500 | $1,570,200 |
| NEVADA COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ORANGE COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| PLACER COUNTY | $598,000 | $765,550 | $925,350 | $1,150,000 |
| PLUMAS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| RIVERSIDE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SACRAMENTO COUNTY | $598,000 | $765,550 | $925,350 | $1,150,000 |
| SAN BENITO COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| SAN BERNARDINO COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SAN DIEGO COUNTY | $753,250 | $964,300 | $1,165,600 | $1,448,600 |
| SAN FRANCISCO COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| SAN JOAQUIN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SAN LUIS OBISPO COUNTY | $701,500 | $898,050 | $1,085,550 | $1,349,050 |
| SAN MATEO COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| SANTA BARBARA COUNTY | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| SANTA CLARA COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| SANTA CRUZ COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| SHASTA COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SIERRA COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SISKIYOU COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SOLANO COUNTY | $550,850 | $705,200 | $852,400 | $1,059,350 |
| SONOMA COUNTY | $707,250 | $905,400 | $1,094,450 | $1,360,100 |
| STANISLAUS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SUTTER COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TEHAMA COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TRINITY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TULARE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TUOLUMNE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| VENTURA COUNTY | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| YOLO COUNTY | $598,000 | $765,550 | $925,350 | $1,150,000 |
| YUBA COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |