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The table below shows the conforming loan limits for all California counties in 2018. These limits were established at the end of 2017 and will remain in effect through December 31, 2018.

Update:¬†Toward the end of 2017, federal housing officials announced they would be increasing the baseline loan limit for 2018, 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 2018, for all property types.

California Conforming Loan Limits for 2018

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$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

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 2018 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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