California VA Loan Limits by County

Department of Veterans Affairs

VA Loans can be can be approved through either Fannie Mae's Desktop Underwriter (DU), or Freddie Mac's Loan Product Advisor (LPA). Conventional minimum loan limits are set nationwide.

VA Loan limits follow Conventional conforming loan limits, including 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.

VA Loans offer 100% financing up to the conforming loan limit for the County you are buying or refinancing a home in. 

If you are VA eligible and looking to buy owner occupied units (duplex, triplex, fourplex), you might want to compare the VA loan limit with the expanded FHA loan limits for units.

You can find FHA & Conventional Loan limits here.

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California VA Loan Limits by County

County1 Unit SFR2 Unit Duplex3 Unit Triplex4 Unit Fourplex
ALAMEDA$726,525$726,525$726,525$726,525
ALPINE$484,350$484,350$484,350$484,350
AMADOR$484,350$484,350$484,350$484,350
BUTTE$484,350$484,350$484,350$484,350
CALAVERAS$484,350$484,350$484,350$484,350
COLUSA$484,350$484,350$484,350$484,350
CONTRA COSTA$726,525$726,525$726,525$726,525
DEL NORTE$484,350$484,350$484,350$484,350
EL DORADO$552,000$552,000$552,000$552,000
FRESNO$484,350$484,350$484,350$484,350
GLENN$484,350$484,350$484,350$484,350
HUMBOLDT$484,350$484,350$484,350$484,350
IMPERIAL$484,350$484,350$484,350$484,350
INYO$484,350$484,350$484,350$484,350
KERN$484,350$484,350$484,350$484,350
KINGS$484,350$484,350$484,350$484,350
LAKE$484,350$484,350$484,350$484,350
LASSEN$484,350$484,350$484,350$484,350
LOS ANGELES$726,525$726,525$726,525$726,525
MADERA$484,350$484,350$484,350$484,350
MARIN$726,525$726,525$726,525$726,525
MARIPOSA$484,350$484,350$484,350$484,350
MENDOCINO$484,350$484,350$484,350$484,350
MERCED$484,350$484,350$484,350$484,350
MODOC$484,350$484,350$484,350$484,350
MONO$529,000$529,000$529,000$529,000
MONTEREY$652,050$652,050$652,050$652,050
NAPA$726,525$726,525$726,525$726,525
NEVADA$486,450$486,450$486,450$486,450
ORANGE$726,525$726,525$726,525$726,525
PLACER$552,000$552,000$552,000$552,000
PLUMAS$484,350$484,350$484,350$484,350
RIVERSIDE$484,350$484,350$484,350$484,350
SACRAMENTO$552,000$552,000$552,000$552,000
SAN BENITO$726,525$726,525$726,525$726,525
SAN BERNARDINO$484,350$484,350$484,350$484,350
SAN DIEGO$690,000$690,000$690,000$690,000
SAN FRANCISCO$726,525$726,525$726,525$726,525
SAN JOAQUIN$484,350$484,350$484,350$484,350
SAN LUIS OBISPO$667,000$667,000$667,000$667,000
SAN MATEO$726,525$726,525$726,525$726,525
SANTA BARBARA$625,500$625,500$625,500$625,500
SANTA CLARA$726,525$726,525$726,525$726,525
SANTA CRUZ$726,525$726,525$726,525$726,525
SHASTA$484,350$484,350$484,350$484,350
SIERRA$484,350$484,350$484,350$484,350
SISKIYOU$484,350$484,350$484,350$484,350
SOLANO$494,500$494,500$494,500$494,500
SONOMA$704,950$704,950$704,950$704,950
STANISLAUS$484,350$484,350$484,350$484,350
SUTTER$484,350$484,350$484,350$484,350
TEHAMA$484,350$484,350$484,350$484,350
TRINITY$484,350$484,350$484,350$484,350
TULARE$484,350$484,350$484,350$484,350
TUOLUMNE$484,350$484,350$484,350$484,350
VENTURA$713,000$713,000$713,000$713,000
YOLO$552,000$552,000$552,000$552,000
YUBA$484,350$484,350$484,350$484,350

California VA Loan Limits by County

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.

You can find FHA and VA Loan limits here.

Have Questions About Loan Limits? Experts are Standing By!

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California VA Loan Limits by County

County1 Unit SFR2 Unit Duplex3 Unit Triplex4 Unit Fourplex
Autauga$453,100$580,150$701,250$871,450
Baldwin$453,100$580,150$701,250$871,450
Barbour$453,100$580,150$701,250$871,450
Bibb$453,100$580,150$701,250$871,450
Blount$453,100$580,150$701,250$871,450
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