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2019 Conforming California Loan Limits By County
Every year Fannie Mae & Freddie Mac, FHA, and the VA revise their California county maximum mortgage limits. SnapFi has compiled the list here for your convenience.
What is a Conforming loan?
A loan that meets, or “conforms” to certain qualifying guidelines set by Freddie Mac and Fannie Mae.
California high-cost county loan limits
Derived by median home prices in a particular county and have a ceiling of 150% of the baseline mortgage limit. Median home values generally increased in high-cost areas in 2018, driving up the maximum loan limits. The new ceiling loan limit for one-unit properties in most high-cost areas will be $726,525 — or 150 percent of $484,350.
| COUNTY | 2019 FHA LOAN LIMIT |
2019 CONVENTIONAL LOAN LIMIT |
2019 VA LOAN LIMIT |
| Alameda | 726,525 | 726,525 | 726,525 |
| Alpine | 463,450 | 484,350 | 484,350 |
| Amador | 350,750 | 484,350 | 484,350 |
| Butte | 314,827 | 484,350 | 484,350 |
| Calaveras | 373,750 | 484,350 | 484,350 |
| Colusa | 314,827 | 484,350 | 484,350 |
| Contra Costa | 726,525 | 726,525 | 726,525 |
| Del Norte | 314,827 | 484,350 | 484,350 |
| El Dorado | 552,000 | 552,000 | 552,000 |
| Fresno | 314,827 | 484,250 | 484,350 |
| Glenn | 314,827 | 484,350 | 484,350 |
| Humboldt | 333,500 | 484,350 | 484,350 |
| Imperial | 314,827 | 484,350 | 484,350 |
| Inyo | 369,150 | 484,350 | 484,350 |
| Kern | 314,827 | 484,350 | 484,350 |
| Kings | 314,927 | 484,350 | 484,350 |
| Lake | 314,927 | 484,350 | 484,350 |
| Lassen | 314,927 | 484,350 | 484,350 |
| Los Angeles | 726,525 | 726,525 | 726,525 |
| Madera | 314,927 | 484,350 | 484,350 |
| Marin | 726,525 | 726,525 | 726,525 |
| Mariposa | 322,000 | 484,350 | 484,350 |
| Mendocino | 409,400 | 484,350 | 484,350 |
| Merced | 3,214,927 | 484,350 | 484,350 |
| Modoc | 314,827 | 484,350 | 484,350 |
| Mono | 529,000 | 529,000 | 529,000 |
| Monterey | 652,050 | 652,050 | 652,050 |
| Napa | 726,525 | 726,525 | 726,525 |
| Nevada | 486,450 | 486,450 | 486,450 |
| Orange | 726,525 | 726,525 | 726,525 |
| Placer | 552,000 | 552,000 | 552,000 |
| Plumas | 336,950 | 484,350 | 484,350 |
| Riverside | 431,250 | 484,350 | 484,350 |
| Sacramento | 552,000 | 552,000 | 552,000 |
| San Benito | 726,525 | 726,525 | 726,525 |
| San Bernardino | 431,250 | 484,350 | 484,350 |
| San Diego | 690,000 | 690,000 | 690,000 |
| San Francisco | 726,525 | 726,525 | 726,525 |
| San Joaquin | 425,500 | 484,350 | 484,350 |
| San Luis Obispo | 667,000 | 667,000 | 667,000 |
| San Mateo | 726,525 | 726,525 | 726,525 |
| Santa Barbara | 653,200 | 625,500 | 625,500 |
| Santa Clara | 726,525 | 726,525 | 726,525 |
| Santa Cruz | 726,525 | 726,525 | 726,525 |
| Shasta | 314,827 | 484,350 | 484,350 |
| Sierra | 314,827 | 484,350 | 484,350 |
| Siskiyou | 314,827 | 484,350 | 484,350 |
| Solano | 494,500 | 494,500 | 494,500 |
| Sonoma | 704,950 | 704,950 | 704,950 |
| Stanislaus | 350,750 | 484,350 | 484,350 |
| Sutter | 324,300 | 484,350 | 484,350 |
| Tehama | 314,827 | 484,350 | 484,350 |
| Trinity | 314,827 | 484,350 | 484,350 |
| Tulare | 314,827 | 484,350 | 484,350 |
| Tuolumne | 331,200 | 484,350 | 484,350 |
| Ventura | 713,000 | 713,000 | 713,000 |
| Yolo | 552,000 | 552,000 | 552,000 |
| Yuba | 324,300 | 484,350 | 484,350 |