California Conventional Loan Limits by County

Conventional FP

Conventional loans use Fannie Mae or Freddie Mac underwriting guidelines. Unlike FHA loan limits, which can vary widely by County based on the area median income, Conventional minimum loan limits are set nationwide by Fannie Mae.

Conventional loan limits can be exceeded if you are buying a multi family home, or if you are buying in a high cost County. Conventional loans allow as little as a 3% to 5% down payment.

County 1 Unit Duplex Triplex Fourplex
ALAMEDA $636,150 $814,500 $984,525 $1,223,475
ALPINE $463,450 $593,300 $717,150 $891,250
AMADOR $424,100 $543,000 $656,350 $815,650
BUTTE $424,100 $543,000 $656,350 $815,650
CALAVERAS $424,100 $543,000 $656,350 $815,650
COLUSA $424,100 $543,000 $656,350 $815,650
CONTRA COSTA $636,150 $814,500 $984,525 $1,223,475
DEL NORTE $424,100 $543,000 $656,350 $815,650
EL DORADO $488,750 $625,700 $756,300 $939,900
FRESNO $424,100 $543,000 $656,350 $815,650
GLENN $424,100 $543,000 $656,350 $815,650
HUMBOLDT $424,100 $543,000 $656,350 $815,650
IMPERIAL $424,100 $543,000 $656,350 $815,650
INYO $424,100 $543,000 $656,350 $815,650
KERN $424,100 $543,000 $656,350 $815,650
KINGS $424,100 $543,000 $656,350 $815,650
LAKE $424,100 $543,000 $656,350 $815,650
LASSEN $424,100 $543,000 $656,350 $815,650
LOS ANGELES $636,150 $814,500 $984,525 $1,223,475
MADERA $424,100 $543,000 $656,350 $815,650
MARIN $636,150 $814,500 $984,525 $1,223,475
MARIPOSA $424,100 $543,000 $656,350 $815,650
MENDOCINO $424,100 $543,000 $656,350 $815,650
MERCED $424,100 $543,000 $656,350 $815,650
MODOC $424,100 $543,000 $656,350 $815,650
MONO $529,000 $677,200 $818,600 $1,017,300
MONTEREY $575,000 $736,100 $889,800 $1,105,800
NAPA $636,150 $814,500 $984,525 $1,223,475
NEVADA $477,250 $610,950 $738,500 $917,800
ORANGE $636,150 $814,500 $984,525 $1,223,475
PLACER $488,750 $625,700 $756,300 $939,900
PLUMAS $424,100 $543,000 $656,350 $815,650
RIVERSIDE $424,100 $543,000 $656,350 $815,650
SACRAMENTO $488,750 $625,700 $756,300 $939,900
SAN BENITO $636,150 $814,500 $984,525 $1,223,475
SAN BERNARDINO $424,100 $543,000 $656,350 $815,650
SAN DIEGO $612,950 $784,700 $948,500 $1,178,750
SAN FRANCISCO $636,150 $814,500 $984,525 $1,223,475
SAN JOAQUIN $424,100 $543,000 $656,350 $815,650
SAN LUIS OBISPO $586,500 $750,800 $907,550 $1,127,900
SAN MATEO $636,150 $814,500 $984,525 $1,223,475
SANTA BARBARA $625,500 $800,775 $967,950 $1,202,925
SANTA CLARA $636,150 $814,500 $984,525 $1,223,475
SANTA CRUZ $636,150 $814,500 $984,525 $1,223,475
SHASTA $424,100 $543,000 $656,350 $815,650
SIERRA $424,100 $543,000 $656,350 $815,650
SISKIYOU $424,100 $543,000 $656,350 $815,650
SOLANO $431,250 $552,050 $667,350 $829,350
SONOMA $595,700 $762,600 $921,800 $1,145,600
STANISLAUS $424,100 $543,000 $656,350 $815,650
SUTTER $424,100 $543,000 $656,350 $815,650
TEHAMA $424,100 $543,000 $656,350 $815,650
TRINITY $424,100 $543,000 $656,350 $815,650
TULARE $424,100 $543,000 $656,350 $815,650
TUOLUMNE $424,100 $543,000 $656,350 $815,650
VENTURA $636,150 $814,500 $984,525 $1,223,475
YOLO $488,750 $625,700 $756,300 $939,900
YUBA $424,100 $543,000 $656,350 $815,650

 

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