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The table below shows the conforming loan limits for all California counties in 2017. These limits were established at the end of 2016 and will remain in effect through December 31, 2017.

Update: On November 23, 2016, federal housing officials announced they would be increasing the baseline loan limit for 2017, nationwide, in response to rising home prices. They also increased the conforming loan limits for “higher-cost areas” such as San Francisco and Orange County. The table below contains the revised (increased) California conforming loan limits for 2017, for all property types.

California Conforming Loan Limits for 2017

In the table below, the “1-unit” column applies to single-family homes. The “2-unit” column is for duplex-style properties with two separate residents, and so on. If you’re buying a single-family home in California as your residence, refer to the “1-unit” column for conforming loan limits.

County1 Unit2 Unit3 Unit4 Unit
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

What These Terms Mean

What are conforming loan limits exactly, and how do they affect you a borrower? Here’s a mini glossary to help you understand the terminology.

Conforming: When a home loan is said to be “conforming,” that means it falls within the maximum size limits set forth by the Federal Housing Finance Agency. California conforming loans can be sold to Fannie Mae and Freddie Mac, and then resold into the secondary mortgage market.

Jumbo: If a home loan is larger than the California conforming limits shown above, it is referred to as a jumbo mortgage and cannot be sold to Fannie Mae or Freddie Mac. Outside inventors usually end up purchasing jumbo loans. Lenders often impose stricter requirements for borrowers seeking a jumbo mortgage product, due to the higher level of risk involved with these “non-conforming” loans.

Loan limits: Different loan programs have different limits associated with them. The conforming caps shown in the table above apply to “regular” conventional loans. There are size restrictions for VA and FHA-insured mortgage loans as well. These limits vary by county and are reviewed every year.

Apply for a Mortgage Today

Do you have questions about the 2017 conforming loan limits for California? Do you need financing to buy a home? We can help. Bridgepoint Funding has been serving borrowers in the Golden State for more than 15 years. We offer a wide variety of loan products, including FHA, VA and conventional.

Call or email our knowledgeable staff to get started. You can also start an application or get a rate quote right here on our website. Use the links in the main menu above to get started. We look forward to help you!

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