California's 2018 Loan Limits by County

 

The Federal Housing Finance Agency (FHFA) recently announced new conforming loans limits for 2018, marking the second, and consecutive, increase since 2006. The increased loan limits are for conforming loans sold through Fannie Mae and Freddie Mac, with individual loan limits for 1 to 4-unit properties broken out on a county-by-county basis. The maximum “true” conforming limit has been increased from $424,100 to $453,100 for all California counties. Counties meeting the definition of “high-cost areas” will have increased “high balance” loan limits of up to $679,650.  Updated limits for FHA insured loans with 96.5% financing and VA loans with 100% financing have also been released. Note: VA limits are for 100% financing within a given county, however VA guarantees allow for much larger loans.

Loans exceeding a given county’s high balance conforming limit are deemed “jumbo” and typically have far more demanding underwriting requirements.

2018

 

 

Conforming

 

FHA

 

VA

County Name

State

 

One-Unit Limit

Two-Unit Limit

Three-Unit Limit

Four-Unit Limit

 

One-Unit Limit

Two-Unit Limit

Three-Unit Limit

Four-Unit Limit

 

One-Unit Limit

ALAMEDA

CA

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

ALPINE

CA

 

$463,450

$593,300

$717,150

$891,250

 

$463,450

$593,300

$717,150

$891,250

 

$463,450

AMADOR

CA

 

$453,100

$580,150

$701,250

$871,450

 

$332,350

$425,450

$514,300

$639,150

 

$453,100

BUTTE

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

CALAVERAS

CA

 

$453,100

$580,150

$701,250

$871,450

 

$373,750

$478,450

$578,350

$718,750

 

$453,100

COLUSA

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

CONTRA COSTA

CA

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

DEL NORTE

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

EL DORADO

CA

 

$517,500

$662,500

$800,800

$995,200

 

$517,500

$662,500

$800,800

$995,200

 

$517,500

FRESNO

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

GLENN

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

HUMBOLDT

CA

 

$453,100

$580,150

$701,250

$871,450

 

$327,750

$419,550

$507,150

$630,300

 

$453,100

IMPERIAL

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

INYO

CA

 

$453,100

$580,150

$701,250

$871,450

 

$369,150

$472,550

$571,250

$709,900

 

$453,100

KERN

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

KINGS

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

LAKE

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

LASSEN

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

LOS ANGELES

CA

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

MADERA

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

MARIN

CA

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

MARIPOSA

CA

 

$453,100

$580,150

$701,250

$871,450

 

$322,000

$412,200

$498,250

$619,250

 

$453,100

MENDOCINO

CA

 

$453,100

$580,150

$701,250

$871,450

 

$394,450

$504,950

$610,400

$758,550

 

$453,100

MERCED

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

MODOC

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

MONO

CA

 

$529,000

$677,200

$818,600

$1,017,300

 

$529,000

$677,200

$818,600

$1,017,300

 

$529,000

MONTEREY

CA

 

$615,250

$787,650

$952,050

$1,183,200

 

$615,250

$787,650

$952,050

$1,183,200

 

$615,250

NAPA

CA

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

NEVADA

CA

 

$477,250

$610,950

$738,500

$917,800

 

$477,250

$610,950

$738,500

$917,800

 

$477,250

ORANGE

CA

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

PLACER

CA

 

$517,500

$662,500

$800,800

$995,200

 

$517,500

$662,500

$800,800

$995,200

 

$517,500

PLUMAS

CA

 

$453,100

$580,150

$701,250

$871,450

 

$336,950

$431,350

$521,400

$648,000

 

$453,100

RIVERSIDE

CA

 

$453,100

$580,150

$701,250

$871,450

 

$405,950

$519,700

$628,200

$780,650

 

$453,100

SACRAMENTO

CA

 

$517,500

$662,500

$800,800

$995,200

 

$517,500

$662,500

$800,800

$995,200

 

$517,500

SAN BENITO

CA

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

SAN BERNARDINO

CA

 

$453,100

$580,150

$701,250

$871,450

 

$405,950

$519,700

$628,200

$780,650

 

$453,100

SAN DIEGO

CA

 

$649,750

$831,800

$1,005,450

$1,249,550

 

$649,750

$831,800

$1,005,450

$1,249,550

 

$649,750

SAN FRANCISCO

CA

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

SAN JOAQUIN

CA

 

$453,100

$580,150

$701,250

$871,450

 

$391,000

$500,550

$605,050

$751,900

 

$453,100

SAN LUIS OBISPO

CA

 

$615,250

$787,650

$952,050

$1,183,200

 

$615,250

$787,650

$952,050

$1,183,200

 

$615,250

SAN MATEO

CA

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

SANTA BARBARA

CA

 

$625,500

$800,775

$967,950

$1,202,925

 

$653,200

$836,200

$1,010,800

$1,256,150

 

$625,500

SANTA CLARA

CA

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

SANTA CRUZ

CA

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

$870,225

$1,051,875

$1,307,175

 

$679,650

SHASTA

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

SIERRA

CA

 

$453,100

$580,150

$701,250

$871,450

 

$304,750

$390,100

$471,550

$586,050

 

$453,100

SISKIYOU

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

SOLANO

CA

 

$460,000

$588,850

$711,800

$884,600

 

$460,000

$588,850

$711,800

$884,600

 

$460,000

SONOMA

CA

 

$648,600

$830,300

$1,003,650

$1,247,300

 

$648,600

$830,300

$1,003,650

$1,247,300

 

$648,600

STANISLAUS

CA

 

$453,100

$580,150

$701,250

$871,450

 

$322,000

$412,200

$498,250

$619,250

 

$453,100

SUTTER

CA

 

$453,100

$580,150

$701,250

$871,450

 

$299,000

$382,750

$462,650

$575,000

 

$453,100

TEHAMA

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

TRINITY

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

TULARE

CA

 

$453,100

$580,150

$701,250

$871,450

 

$294,515

$377,075

$455,800

$566,425

 

$453,100

TUOLUMNE

CA

 

$453,100

$580,150

$701,250

$871,450

 

$331,200

$424,000

$512,500

$636,900

 

$453,100

VENTURA

CA

 

$672,750

$861,250

$1,041,050

$1,293,750

 

$672,750

$861,250

$1,041,050

$1,293,750

 

$672,750

YOLO

CA

 

$517,500

$662,500

$800,800

$995,200

 

$517,500

$662,500

$800,800

$995,200

 

$517,500

YUBA

CA

 

$453,100

$580,150

$701,250

$871,450

 

$299,000

$382,750

$462,650

$575,000

 

$453,100