CA Conforming Loan Limits
Conforming loan limits for high cost areas change again! Regular areas still remain at $417,000. What does that mean for you? When you go to get a loan, you can get a conventional interest rates, and conventional underwriting on loan amounts that do not exceed the conforming loan limits. Anything above the limits, you can expect higher interest rates, and more demanding underwriting.
Temporary Loan Limits for the Conforming Jumbo loans is changing as of September 1st. Most lenders will begin implementing August 1st.
SFR -Nevada County will be reduced to $477,250
SFR-Placer and El Dorado County will be reduced to $474,950
SFR-San Francisco Bay Area will be $625,500
Loans above these amounts in the specific county will be considered Jumbo loans!
Here are more conforming loan limits for the rest of high cost areas of California:
| State | Metropolitan, Micropolitan, or County Name | Limit 1-Unit | Limit 2-Unit | Limit 3-Unit | Limit 4-Unit |
| CA | Los Angeles-Long Beach-Santa Ana (Metropolitan Area) Component Counties: Los Angeles, Orange |
$625,500 | $800,775 | $967,950 | $1,202,925 |
| CA | CA Napa (Metropolitan Area) Component County: Napa |
$592,250 | $758,200 | $916,450 | $1,138,950 |
| CA | CA Oxnard-Thousand Oaks-Ventura (Metropolitan Area) Component County: Ventura |
$598,000 | $765,550 | $925,350 | $1,150,000 |
| CA | CA Sacramento–Arden-Arcade–Roseville (Metropolitan Area) Component Counties: El Dorado, Placer, Sacramento, Yolo |
$474,950 | $608,000 | $734,950 | $913,350 |
| CA | Salinas (Metropolitan Area) Component County: Monterey |
$483,000 | $618,300 | $747,400 | $928,850 |
| CA | San Diego-Carlsbad-San Marcos (Metropolitan Area) Component County: San Diego |
$546,250 | $699,300 | $845,300 | $1,050,500 |
| CA | San Francisco-Oakland-Fremont (Metropolitan Area) Component Counties: Alameda, Contra Costa, Marin, San Francisco, San Mateo |
$625,500 | $800,775 | $967,950 | $1,202,925 |
| CA | San Jose-Sunnyvale-Santa Clara (Metropolitan Area) Component Counties: San Benito, Santa Clara |
$625,500 | $800,775 | $967,950 | $1,202,925 |
| CA | San Luis Obispo-Paso Robles (Metropolitan Area) Component County: San Luis Obispo |
$561,200 | $718,450 | $868,400 | $1,079,250 |
| CA | Santa Barbara-Santa Maria-Goleta (Metropolitan Area) Component Couny: Santa Barbara |
$603,750 | $772,900 | $934,250 | $1,161,050 |
| CA | Santa Cruz-Watsonville (Metropolitan Area) Component County: Santa Cruz |
$625,500 | $800,775 | $967,950 | $1,202,925 |
Comments
Got something to say?
You must be logged in to post a comment.