2017 California Loan Limits

UPDATED 2018 loan limits in California

The table below lists new loan limits for counties in California all real estate mortgages starting January 1st, 2017. Those figures are based on new Fannie Mae and Freddie Mac guidelines. This is the first time since 2006 the Federal Housing Finance Agency’s (FHFA) increases the limitsfor mortgages acquired by Fannie Mae and Freddie Mac to $424,100 on one-unit properties and a cap of $636,150 in high-cost areas. The previous loan limits were $417,000 and $625,500, respectively (see previous 2015 loan limits in California).

UPDATED 2018 loan limits in California

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 $424,100 to the conforming limit amount as “high balance loans.” Please consult with a licensed mortgage loan originator for more details.

County Name One-Unit Limit Two-Unit Limit Three-Unit Limit Four-Unit Limit
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

UPDATED 2018 loan limits in California

2017 California Loan Limits sorted by county use these new limits to know your mortgage qualifications. Higher limits often mean you may avoid high balance loans or jumbo loans. That equates to more savings to potential home owners.

For a complete list of all counties in the USA please visit FHFA.gov

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