Checked
2026 California Loan Limits
Conforming (FHFA) and FHA mortgage limits by county
- Counties
- 58
- High-cost counties
- 17
- Conforming limit above the baseline
- Highest conforming limit
- $1,249,125
- Alameda County
- U.S. baseline
- $832,750
- One-unit conforming
Loan limits by county
One-unit and two-unit limits, 2026
Swipe the table sideways to see more columns.
| County | Conforming, 1 unit | Conforming, 2 units | FHA, 1 unit | FHA, 2 units |
|---|---|---|---|---|
| Alameda County | $1,249,125 | $1,599,375 | Not reported | Not reported |
| Alpine County | $832,750 | $1,066,250 | Not reported | Not reported |
| Amador County | $832,750 | $1,066,250 | Not reported | Not reported |
| Butte County | $832,750 | $1,066,250 | Not reported | Not reported |
| Calaveras County | $832,750 | $1,066,250 | Not reported | Not reported |
| Colusa County | $832,750 | $1,066,250 | Not reported | Not reported |
| Contra Costa County | $1,249,125 | $1,599,375 | Not reported | Not reported |
| Del Norte County | $832,750 | $1,066,250 | Not reported | Not reported |
| El Dorado County | $832,750 | $1,066,250 | Not reported | Not reported |
| Fresno County | $832,750 | $1,066,250 | Not reported | Not reported |
| Glenn County | $832,750 | $1,066,250 | Not reported | Not reported |
| Humboldt County | $832,750 | $1,066,250 | Not reported | Not reported |
| Imperial County | $832,750 | $1,066,250 | Not reported | Not reported |
| Inyo County | $832,750 | $1,066,250 | Not reported | Not reported |
| Kern County | $832,750 | $1,066,250 | Not reported | Not reported |
| Kings County | $832,750 | $1,066,250 | Not reported | Not reported |
| Lake County | $832,750 | $1,066,250 | Not reported | Not reported |
| Lassen County | $832,750 | $1,066,250 | Not reported | Not reported |
| Los Angeles County | $1,249,125 | $1,599,375 | Not reported | Not reported |
| Madera County | $832,750 | $1,066,250 | Not reported | Not reported |
| Marin County | $1,249,125 | $1,599,375 | Not reported | Not reported |
| Mariposa County | $832,750 | $1,066,250 | Not reported | Not reported |
| Mendocino County | $832,750 | $1,066,250 | Not reported | Not reported |
| Merced County | $832,750 | $1,066,250 | Not reported | Not reported |
| Modoc County | $832,750 | $1,066,250 | Not reported | Not reported |
| Mono County | $832,750 | $1,066,250 | Not reported | Not reported |
| Monterey County | $994,750 | $1,273,450 | Not reported | Not reported |
| Napa County | $1,017,750 | $1,302,900 | Not reported | Not reported |
| Nevada County | $832,750 | $1,066,250 | Not reported | Not reported |
| Orange County | $1,249,125 | $1,599,375 | Not reported | Not reported |
| Placer County | $832,750 | $1,066,250 | Not reported | Not reported |
| Plumas County | $832,750 | $1,066,250 | Not reported | Not reported |
| Riverside County | $832,750 | $1,066,250 | Not reported | Not reported |
| Sacramento County | $832,750 | $1,066,250 | Not reported | Not reported |
| San Benito County | $1,249,125 | $1,599,375 | Not reported | Not reported |
| San Bernardino County | $832,750 | $1,066,250 | Not reported | Not reported |
| San Diego County | $1,104,000 | $1,413,350 | Not reported | Not reported |
| San Francisco County | $1,249,125 | $1,599,375 | Not reported | Not reported |
| San Joaquin County | $832,750 | $1,066,250 | Not reported | Not reported |
| San Luis Obispo County | $1,000,500 | $1,280,850 | Not reported | Not reported |
| San Mateo County | $1,249,125 | $1,599,375 | Not reported | Not reported |
| Santa Barbara County | $941,850 | $1,205,750 | Not reported | Not reported |
| Santa Clara County | $1,249,125 | $1,599,375 | Not reported | Not reported |
| Santa Cruz County | $1,249,125 | $1,599,375 | Not reported | Not reported |
| Shasta County | $832,750 | $1,066,250 | Not reported | Not reported |
| Sierra County | $832,750 | $1,066,250 | Not reported | Not reported |
| Siskiyou County | $832,750 | $1,066,250 | Not reported | Not reported |
| Solano County | $832,750 | $1,066,250 | Not reported | Not reported |
| Sonoma County | $897,000 | $1,148,350 | Not reported | Not reported |
| Stanislaus County | $832,750 | $1,066,250 | Not reported | Not reported |
| Sutter County | $832,750 | $1,066,250 | Not reported | Not reported |
| Tehama County | $832,750 | $1,066,250 | Not reported | Not reported |
| Trinity County | $832,750 | $1,066,250 | Not reported | Not reported |
| Tulare County | $832,750 | $1,066,250 | Not reported | Not reported |
| Tuolumne County | $832,750 | $1,066,250 | Not reported | Not reported |
| Ventura County | $1,035,000 | $1,325,000 | Not reported | Not reported |
| Yolo County | $832,750 | $1,066,250 | Not reported | Not reported |
| Yuba County | $832,750 | $1,066,250 | Not reported | Not reported |
Frequently asked questions
- What is the conforming loan limit in California?
- In 2026, 41 of 58 counties in California use the baseline limit of $832,750 for a one-unit home. 17 high-cost counties have higher limits, up to $1,249,125 in Alameda County.
Source: Federal Housing Finance Agency; U.S. Department of Housing and Urban Development ยท 2026 limits