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


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