The table below lists new 2015 California Loan Limits for all real estate mortgages starting January 1st, 2015. Those figures are based on new Fannie Mae and Freddie Mac guidelines. There are 12 counties in California affected by new loan limits: ALAMEDA, CONTRA COSTA, LOS ANGELES, MARIN, ORANGE, SAN BENITO, SAN FRANCISCO, SAN MATEO, SANTA BARBARA, SANTA CLARA, and SANTA CRUZ counties.
Please be noticed that FHFA had changed their revised new loan limits. For updated numbers, see our updated article on California loan limits for 2017.
Fannie Mae and Freddie Mac are the biggest two entities that purchase mortgages originated by lenders. Loans that follow their guidelines are known as “conforming loans.” Loans above this limit are known as jumbo loans. Please note that most lenders may consider loans between $417,000 to the conforming limit amount as “high balance loans.” Please consult with a licensed mortgage loan originator for more details.
California2015 Loan Limits |
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| County Name | 1 Unit | 2 Unit | 3 Unit | 4 Unit |
| ALAMEDA | 625,500 | 800,775 | 967,950 | 1,202,925 |
| ALPINE | 463,450 | 593,300 | 717,150 | 891,250 |
| AMADOR | 417,000 | 533,850 | 645,300 | 801,950 |
| BUTTE | 417,000 | 533,850 | 645,300 | 801,950 |
| CALAVERAS | 417,000 | 533,850 | 645,300 | 801,950 |
| COLUSA | 417,000 | 533,850 | 645,300 | 801,950 |
| CONTRA COSTA | 625,500 | 625,500 | 967,950 | 1,202,925 |
| DEL NORTE | 417,000 | 533,850 | 645,300 | 801,950 |
| EL DORADO | 474,950 | 608,000 | 734,950 | 913,350 |
| FRESNO | 417,000 | 533,850 | 645,300 | 801,950 |
| GLENN | 417,000 | 533,850 | 645,300 | 801,950 |
| HUMBOLDT | 417,000 | 533,850 | 645,300 | 801,950 |
| IMPERIAL | 417,000 | 533,850 | 645,300 | 801,950 |
| INYO | 417,000 | 533,850 | 645,300 | 801,950 |
| KERN | 417,000 | 533,850 | 645,300 | 801,950 |
| KINGS | 417,000 | 533,850 | 645,300 | 801,950 |
| LAKE | 417,000 | 533,850 | 645,300 | 801,950 |
| LASSEN | 417,000 | 533,850 | 645,300 | 801,950 |
| LOS ANGELES | 625,500 | 800,775 | 967,950 | 1,202,925 |
| MADERA | 417,000 | 533,850 | 645,300 | 801,950 |
| MARIN | 625,500 | 800,775 | 967,950 | 1,202,925 |
| MARIPOSA | 417,000 | 533,850 | 645,300 | 801,950 |
| MENDOCINO | 417,000 | 533,850 | 645,300 | 801,950 |
| MERCED | 417,000 | 533,850 | 645,300 | 801,950 |
| MODOC | 417,000 | 533,850 | 645,300 | 801,950 |
| MONO | 529,000 | 677,200 | 818,600 | 1,017,300 |
| MONTEREY | 502,550 | 643,350 | 777,650 | 966,450 |
| NAPA | 615,250 | 787,650 | 952,050 | 1,183,200 |
| NEVADA | 477,250 | 610,950 | 738,500 | 917,800 |
| ORANGE | 625,500 | 800,775 | 967,950 | 1,202,925 |
| PLACER | 474,950 | 608,000 | 734,950 | 913,350 |
| PLUMAS | 417,000 | 533,850 | 645,300 | 801,950 |
| RIVERSIDE | 417,000 | 533,850 | 645,300 | 801,950 |
| SACRAMENTO | 474,950 | 608,000 | 734,950 | 913,350 |
| SAN BENITO | 625,500 | 800,775 | 967,950 | 1,202,925 |
| SAN BERNARDINO | 417,000 | 533,850 | 645,300 | 801,950 |
| SAN DIEGO | 562,350 | 719,900 | 870,200 | 1,081,450 |
| SAN FRANCISCO | 625,500 | 800,775 | 967,950 | 1,202,925 |
| SAN JOAQUIN | 417,000 | 533,850 | 645,300 | 801,950 |
| SAN LUIS OBISPO | 561,200 | 718,450 | 868,400 | 1,079,250 |
| SAN MATEO | 625,500 | 800,775 | 967,950 | 1,202,925 |
| SANTA BARBARA | 625,500 | 800,775 | 967,950 | 1,202,925 |
| SANTA CLARA | 625,500 | 800,775 | 967,950 | 1,202,925 |
| SANTA CRUZ | 625,500 | 800,775 | 967,950 | 1,202,925 |
| SHASTA | 417,000 | 533,850 | 645,300 | 801,950 |
| SIERRA | 417,000 | 533,850 | 645,300 | 801,950 |
| SISKIYOU | 417,000 | 533,850 | 645,300 | 801,950 |
| SOLANO | 417,000 | 533,850 | 645,300 | 801,950 |
| SONOMA | 520,950 | 666,900 | 806,150 | 1,001,850 |
| STANISLAUS | 417,000 | 533,850 | 645,300 | 801,950 |
| SUTTER | 417,000 | 533,850 | 645,300 | 801,950 |
| TEHAMA | 417,000 | 533,850 | 645,300 | 801,950 |
| TRINITY | 417,000 | 533,850 | 645,300 | 801,950 |
| TULARE | 417,000 | 533,850 | 645,300 | 801,950 |
| TUOLUMNE | 417,000 | 533,850 | 645,300 | 801,950 |
| VENTURA | 603,750 | 772,900 | 934,250 | 1,161,050 |
| YOLO | 474,950 | 608,000 | 734,950 | 913,350 |
| YUBA | 417,000 | 533,850 | 645,300 | 801,950 |
