California's 2019 Loan Limits by County  

The Federal Housing Finance Agency (FHFA) recently announced new conforming loans limits for 2019, marking the third 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 $453,100 to $484,350 for all California counties. Counties meeting the definition of “high-cost areas” will have increased “high balance” loan limits of up to $726,525. 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 (for one and two-unit owner occupied properties), however VA guarantees allow for significantly larger loans supported by a small down payment.

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

2019

 

 

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 $726,525 $930,300 $1,124,475 $1,397,400 $726,525 $930,300 $1,124,475 $1,397,400 $726,525
ALPINE CA $484,350 $620,200 $749,650 $931,600 $463,450 $593,300 $717,150 $891,250 $484,350
AMADOR CA $484,350 $620,200 $749,650 $931,600 $350,750 $449,000 $542,750 $674,500 $484,350
BUTTE CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
CALAVERAS CA $484,350 $620,200 $749,650 $931,600 $373,750 $478,450 $578,350 $718,750 $484,350
COLUSA CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
CONTRA COSTA CA $726,525 $930,300 $1,124,475 $1,397,400 $726,525 $930,300 $1,124,475 $1,397,400 $726,525
DEL NORTE CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
EL DORADO CA $552,000 $706,650 $854,200 $1,061,550 $552,000 $706,650 $854,200 $1,061,550 $552,000
FRESNO CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
GLENN CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
HUMBOLDT CA $484,350 $620,200 $749,650 $931,600 $333,500 $426,950 $516,050 $641,350 $484,350
IMPERIAL CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
INYO CA $484,350 $620,200 $749,650 $931,600 $369,150 $472,550 $571,250 $709,900 $484,350
KERN CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
KINGS CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
LAKE CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
LASSEN CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
LOS ANGELES CA $726,525 $930,300 $1,124,475 $1,397,400 $726,525 $930,300 $1,124,475 $1,397,400 $726,525
MADERA CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
MARIN CA $726,525 $930,300 $1,124,475 $1,397,400 $726,525 $930,300 $1,124,475 $1,397,400 $726,525
MARIPOSA CA $484,350 $620,200 $749,650 $931,600 $322,000 $412,200 $498,250 $619,250 $484,350
MENDOCINO CA $484,350 $620,200 $749,650 $931,600 $409,400 $524,100 $633,500 $787,300 $484,350
MERCED CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
MODOC CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
MONO CA $529,000 $677,200 $818,600 $1,017,300 $529,000 $677,200 $818,600 $1,017,300 $529,000
MONTEREY CA $652,050 $834,750 $1,009,000 $1,253,950 $652,050 $834,750 $1,009,000 $1,253,950 $652,050
NAPA CA $726,525 $930,300 $1,124,475 $1,397,400 $726,525 $930,300 $1,124,475 $1,397,400 $726,525
NEVADA CA $486,450 $622,750 $752,750 $935,500 $486,450 $622,750 $752,750 $935,500 $486,450
ORANGE CA $726,525 $930,300 $1,124,475 $1,397,400 $726,525 $930,300 $1,124,475 $1,397,400 $726,525
PLACER CA $552,000 $706,650 $854,200 $1,061,550 $552,000 $706,650 $854,200 $1,061,550 $552,000
PLUMAS CA $484,350 $620,200 $749,650 $931,600 $336,950 $431,350 $521,400 $648,000 $484,350
RIVERSIDE CA $484,350 $620,200 $749,650 $931,600 $431,250 $552,050 $667,350 $829,350 $484,350
SACRAMENTO CA $552,000 $706,650 $854,200 $1,061,550 $552,000 $706,650 $854,200 $1,061,550 $552,000
SAN BENITO CA $726,525 $930,300 $1,124,475 $1,397,400 $726,525 $930,300 $1,124,475 $1,397,400 $726,525
SAN BERNARDINO CA $484,350 $620,200 $749,650 $931,600 $431,250 $552,050 $667,350 $829,350 $484,350
SAN DIEGO CA $690,000 $883,300 $1,067,750 $1,326,950 $690,000 $883,300 $1,067,750 $1,326,950 $690,000
SAN FRANCISCO CA $726,525 $930,300 $1,124,475 $1,397,400 $726,525 $930,300 $1,124,475 $1,397,400 $726,525
SAN JOAQUIN CA $484,350 $620,200 $749,650 $931,600 $425,500 $544,700 $658,450 $818,250 $484,350
SAN LUIS OBISPO CA $667,000 $853,900 $1,032,150 $1,282,700 $667,000 $853,900 $1,032,150 $1,282,700 $667,000
SAN MATEO CA $726,525 $930,300 $1,124,475 $1,397,400 $726,525 $930,300 $1,124,475 $1,397,400 $726,525
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 $726,525 $930,300 $1,124,475 $1,397,400 $726,525 $930,300 $1,124,475 $1,397,400 $726,525
SANTA CRUZ CA $726,525 $930,300 $1,124,475 $1,397,400 $726,525 $930,300 $1,124,475 $1,397,400 $726,525
SHASTA CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
SIERRA CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
SISKIYOU CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
SOLANO CA $494,500 $633,050 $765,200 $950,950 $494,500 $633,050 $765,200 $950,950 $494,500
SONOMA CA $704,950 $902,450 $1,090,850 $1,355,700 $704,950 $902,450 $1,090,850 $1,355,700 $704,950
STANISLAUS CA $484,350 $620,200 $749,650 $931,600 $350,750 $449,000 $542,750 $674,500 $484,350
SUTTER CA $484,350 $620,200 $749,650 $931,600 $324,300 $415,150 $501,800 $623,650 $484,350
TEHAMA CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
TRINITY CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
TULARE CA $484,350 $620,200 $749,650 $931,600 $314,827 $403,125 $487,250 $605,525 $484,350
TUOLUMNE CA $484,350 $620,200 $749,650 $931,600 $331,200 $424,000 $512,500 $636,900 $484,350
VENTURA CA $713,000 $912,750 $1,103,350 $1,371,150 $713,000 $912,750 $1,103,350 $1,371,150 $713,000
YOLO CA $552,000 $706,650 $854,200 $1,061,550 $552,000 $706,650 $854,200 $1,061,550 $552,000
YUBA CA $484,350 $620,200 $749,650 $931,600 $324,300 $415,150 $501,800 $623,650 $484,350