Conforming Loan Limits 2022 California

Both Fannie Mae and Freddie Mac impose limits on the number of mortgages they will purchase or guarantee. All conventional mortgages delivered to Fannie Mae and Freddie Mac are subject to the annual conforming loan limits published by the Federal Housing Finance Agency (FHFA).

2022 conforming loan limits for California is $647,200 and goes up to $970,800 for high-cost counties (aka. high balance mortgage loans) for one-unit properties. Every year Fannie Mae & Freddie Mac, FHA, and the VA revise their California county maximum mortgage limits.

California 2023 Conforming Limits

The conforming loan limits for mortgages that Fannie Mae and Freddie Mac will purchase in 2023 have been established by the Federal Housing Finance Agency. The single-family home loan maximum in most of California is $726,200, an increase of $79,000 from $647,200 in 2022. The loan limit for a duplex home or homes designated as two units is $929,850, an increase of $101,150 from $828,700. Guild Mortgage has made these limits available immediately.

California counties are listed below in a table that is alphabetized by each county’s available high-cost loan limits.

These restrictions apply to the majority of homes purchased in California, which are typically single-family homes with one unit.

Follow the 2-unit loan limit column when buying a property with two units housed in a single structure, also referred to as a duplex.

3-4-Unit conforming limits are available upon request. This wasnt provided to improve the mobile experience.

A word of caution regarding these California conforming loan limits: With a down payment, you can buy a house above these price ranges. For instance, if your objective is to put 5% down on a property, and that property is situated in San Bernardino County, California, and you are eligible, you could buy it for up to $764,421, have a loan for $726,200, and still be regarded as conforming.

California County Conforming Limits Table

California County 1 Unit 2 Units
Alameda $1,089,300 $1,394,775
Alpine $726,200 $929,850
Amador $726,200 $929,850
Butte $726,200 $929,850
Calaveras $726,200 $929,850
Colusa $726,200 $929,850
Contra Costa $1,089,300 $1,394,775
Del Norte $726,200 $929,850
El Dorado $763,600 $977,550
Fresno $726,200 $929,850
Glenn $726,200 $929,850
Humboldt $726,200 $929,850
Imperial $726,200 $929,850
Inyo $726,200 $929,850
Kern $726,200 $929,850
Kings $726,200 $929,850
Lake $726,200 $929,850
Lassen $726,200 $929,850
Los Angeles $1,089,300 $1,394,775
Madera $726,200 $929,850
Marin $1,089,300 $1,394,775
Mariposa $726,200 $929,850
Mendocino $726,200 $929,850
Merced $726,200 $929,850
Modoc $726,200 $929,850
Mono $726,200 $929,850
Monterey $915,400 $1,171,900
Napa $1,017,750 $1,302,900
Nevada $726,200 $929,850
Orange $1,089,300 $1,394,775
Placer $763,600 $977,550
Plumas $726,200 $929,850
Riverside $726,200 $929,850
Sacramento $763,600 $977,550
San Benito $1,089,300 $1,394,775
San Bernardino $726,200 $929,850
San Diego $977,500 $1,251,400
San Francisco $1,089,300 $1,394,775
San Joaquin $726,200 $929,850
San Luis Obispo $911,950 $1,167,450
San Mateo $1,089,300 $1,394,775
Santa Barbara $805,000 $1,030,550
Santa Clara $1,089,300 $1,394,775
Santa Cruz $1,089,300 $1,394,775
Shasta $726,200 $929,850
Sierra $726,200 $929,850
Siskiyou $726,200 $929,850
Solano $726,200 $929,850
Sonoma $861,350 $1,102,700
Stanislaus $726,200 $929,850
Sutter $726,200 $929,850
Tehama $726,200 $929,850
Trinity $726,200 $929,850
Tulare $726,200 $929,850
Tuolumne $726,200 $929,850
Ventura $948,750 $1,214,600
Yolo $763,600 $977,550
Yuba $726,200 $929,850

Over the Conforming Limit?

If your home purchase after your down payment budget exceeds the conforming loan limit for your preferred Utah county, think about speaking with Scott about his affordable Jumbo home loan options!

Important DisclaimersThe content on this page provides general consumer information. It is not legal advice or regulatory guidance. Scott Buehler updates this information periodically. This information may include links or references to third-party resources or content. Scott Buehler or Guild Mortgage does not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that may also serve your needs. Guild Mortgage does not offer real estate services. Contact a licensed Real Estate Agent for real estate information. Guild Mortgage does not provide credit repair services. Guild Mortgage does not offer tax services. Contact your tax preparer for advice on your personal or business taxes.Ready to begin the home purchase process? At any time, click Start Questionnaire below!


What will conforming loan limits be in 2022?

In most regions of the US, the 2022 borrowing cap for a single-unit home is $647,200. The maximum is $970,800 in areas of the country where housing is more expensive.

What is the conforming loan limit in California?

In 2022, the maximum conforming loan amount in California was $647,200 for the majority of counties and $970,800 in some high-cost counties.

Are conforming loan limits going up 2022?

Nobody was surprised when the Federal Housing Finance Agency (FHFA) recently announced the 2022 conforming loan limits, which have significantly increased to $647,200 in most regions of the country. The biggest year-over-year jump in loan limits in recent memory is an increase of 18%.

What is the Fannie Mae conforming loan limit for 2022?

​​Washington, D. C. The conforming loan limits (CLLs) for mortgages to be purchased by Fannie Mae and Freddie Mac (the Enterprises) in 2022 were announced by the Federal Housing Finance Agency (FHFA) today. In most of the U. S. the CLL for one-unit properties will rise from $548,250 in 2021 to $647,200 in 2022, a $98,950 increase.