2018 California Loan Limits

2018 California Loan Limits Are Now Higher

The table below lists new loan limits for counties in California all real estate mortgages starting January 1st, 2018. Those figures are based on new Fannie Mae and Freddie Mac guidelines. This is the second time since 2006 the Federal Housing Finance Agency’s (FHFA) increases the limits for conforming mortgages acquired by Fannie Mae and Freddie Mac to $453,100 on one-unit properties and a cap of $679,650 for high balance mortgages in high-cost areas. The previous loan limits were $424,100 and $636,150, respectively (see previous 2017 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 $453,100 to $679,650 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 $679,650 $870,225 $1,051,875 $1,307,175
ALPINE $463,450 $593,300 $717,150 $891,250
AMADOR $453,100 $580,150 $701,250 $871,450
BUTTE $453,100 $580,150 $701,250 $871,450
CALAVERAS $453,100 $580,150 $701,250 $871,450
COLUSA $453,100 $580,150 $701,250 $871,450
CONTRA COSTA $679,650 $870,225 $1,051,875 $1,307,175
DEL NORTE $453,100 $580,150 $701,250 $871,450
EL DORADO $517,500 $662,500 $800,800 $995,200
FRESNO $453,100 $580,150 $701,250 $871,450
GLENN $453,100 $580,150 $701,250 $871,450
HUMBOLDT $453,100 $580,150 $701,250 $871,450
IMPERIAL $453,100 $580,150 $701,250 $871,450
INYO $453,100 $580,150 $701,250 $871,450
KERN $453,100 $580,150 $701,250 $871,450
KINGS $453,100 $580,150 $701,250 $871,450
LAKE $453,100 $580,150 $701,250 $871,450
LASSEN $453,100 $580,150 $701,250 $871,450
LOS ANGELES $679,650 $870,225 $1,051,875 $1,307,175
MADERA $453,100 $580,150 $701,250 $871,450
MARIN $679,650 $870,225 $1,051,875 $1,307,175
MARIPOSA $453,100 $580,150 $701,250 $871,450
MENDOCINO $453,100 $580,150 $701,250 $871,450
MERCED $453,100 $580,150 $701,250 $871,450
MODOC $453,100 $580,150 $701,250 $871,450
MONO $529,000 $677,200 $818,600 $1,017,300
MONTEREY $615,250 $787,650 $952,050 $1,183,200
NAPA $679,650 $870,225 $1,051,875 $1,307,175
NEVADA $477,250 $610,950 $738,500 $917,800
ORANGE $679,650 $870,225 $1,051,875 $1,307,175
PLACER $517,500 $662,500 $800,800 $995,200
PLUMAS $453,100 $580,150 $701,250 $871,450
RIVERSIDE $453,100 $580,150 $701,250 $871,450
SACRAMENTO $517,500 $662,500 $800,800 $995,200
SAN BENITO $679,650 $870,225 $1,051,875 $1,307,175
SAN BERNARDINO $453,100 $580,150 $701,250 $871,450
SAN DIEGO $649,750 $831,800 $1,005,450 $1,249,550
SAN FRANCISCO $679,650 $870,225 $1,051,875 $1,307,175
SAN JOAQUIN $453,100 $580,150 $701,250 $871,450
SAN LUIS OBISPO $615,250 $787,650 $952,050 $1,183,200
SAN MATEO $679,650 $870,225 $1,051,875 $1,307,175
SANTA BARBARA $625,500 $800,775 $967,950 $1,202,925
SANTA CLARA $679,650 $870,225 $1,051,875 $1,307,175
SANTA CRUZ $679,650 $870,225 $1,051,875 $1,307,175
SHASTA $453,100 $580,150 $701,250 $871,450
SIERRA $453,100 $580,150 $701,250 $871,450
SISKIYOU $453,100 $580,150 $701,250 $871,450
SOLANO $460,000 $588,850 $711,800 $884,600
SONOMA $648,600 $830,300 $1,003,650 $1,247,300
STANISLAUS $453,100 $580,150 $701,250 $871,450
SUTTER $453,100 $580,150 $701,250 $871,450
TEHAMA $453,100 $580,150 $701,250 $871,450
TRINITY $453,100 $580,150 $701,250 $871,450
TULARE $453,100 $580,150 $701,250 $871,450
TUOLUMNE $453,100 $580,150 $701,250 $871,450
VENTURA $672,750 $861,250 $1,041,050 $1,293,750
YOLO $517,500 $662,500 $800,800 $995,200
YUBA $453,100 $580,150 $701,250 $871,450

2018 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 homeowners.

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

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