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
