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Learn All About the 2026 California Conforming Loan Limits for Various Property Types. Call Sammamish Mortgage Today for a Personalized Quote!
2026 | Los Angeles County | 1-Unit (Single Family)
* The Blue Water Navy Vietnam Veterans Act of 2019 repealed VA loan limits starting January 1, 2020. Lenders may impose their own limits, however. Ask your lender about their maximum VA loan amount before applying.This page includes the 2026 conforming loan limits for all California State counties, with some additional commentary about how and why these caps are set. Home loans that exceed the maximum amounts shown below are considered “jumbo” mortgages.
At a glance: The current single-family conforming loan limit for most counties in California State is $832,750. In the more expensive California-area counties of Los Angeles, Contra Costa, Marin, San Benito, San Francisco, San Mateo, Santa Clara, and Orange, the single-family loan limit has been increased to $1,249,125 for 2026.
The table below shows conforming loan limits for all California counties, and for all four property types. Note: a “1-unit” property is a single-family home with one resident. The “2-unit” column applies to duplex-style properties with two separate residents, and so on. If you’re buying a single-family home or condo in California State, refer to the “1-unit” conforming loan limit column.
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| ALAMEDA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| ALPINE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| AMADOR | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| BUTTE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| CALAVERAS | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| COLUSA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| CONTRA COSTA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| DEL NORTE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| EL DORADO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| FRESNO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| GLENN | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| HUMBOLDT | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| IMPERIAL | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| INYO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| KERN | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| KINGS | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| LAKE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| LASSEN | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| LOS ANGELES | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| MADERA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| MARIN | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| MARIPOSA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| MENDOCINO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| MERCED | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| MODOC | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| MONO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| MONTEREY | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 |
| NAPA | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| NEVADA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| ORANGE | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| PLACER | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| PLUMAS | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| RIVERSIDE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SACRAMENTO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SAN BENITO | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| SAN BERNARDINO | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 |
| SAN BERNARDINO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SAN DIEGO | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 |
| SAN FRANCISCO | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| SAN JOAQUIN | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SAN LUIS OBISPO | $1,000,500 | $1,280,850 | $1,548,250 | $1,924,100 |
| SAN MATEO | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| SANTA BARBARA | $941,850 | $1,205,750 | $1,457,450 | $1,811,300 |
| SANTA CLARA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| SANTA CRUZ | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| SHASTA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SIERRA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SISKIYOU | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SOLANO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SONOMA | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 |
| STANISLAUS | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SUTTER | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| TEHAMA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| TRINITY | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| TULARE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| TUOLUMNE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| VENTURA | $1,035,000 | $1,325,000 | $1,601,600 | $1,990,450 |
| YOLO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| YUBA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
California State conforming loan limits are determined by the Federal Housing Finance Agency (FHFA). The Housing and Economic Recovery Act of 2008 (HERA) requires the FHFA to monitor and track average home prices in the U.S., and to annually adjust the baseline jumbo loan limit as needed to reflect changes in national home values.
In other words, if prices go up considerably in a certain county, FHFA may increase the corresponding loan limits to keep pace with rising home values. That’s what happened throughout 2025. Conforming limits are usually set at 115% of the median home price for each area, though they can exceed this level in some high-cost areas.
The 2026 conforming limit for most counties in California State is $832,750, with several exceptions in higher-priced areas.
In recent years, FHFA has used the median home values estimated by the Federal Housing Administration (FHA), which is part of HUD. So there are several federal housing agencies involved in determining loan limits.
Check out our mortgage loan limit tool for conventional, FHA, and VA loans.
We predicted that federal housing officials would increase the Seattle jumbo loan threshold in response to significant home-price gains that occurred during the year. That prediction turned out to be accurate. In fact, the FHFA raised limits across most of the country.
So, the vast majority of counties across the U.S. will see higher caps in 2026, compared to 2025. Home prices nationally rose by an average of around 0.1% during 2025. In California, the median house value dipped by around 2.1%. That is why we are seeing higher California State conforming loan limits in 2026.
If you’re wondering about the eligibility requirements to get a home loan in California State, we can help. Sammamish Mortgage offers a variety of mortgage programs for home buyers and homeowners in California State, including FHA, VA and conventional, and have been in the business since 1992. We can answer any questions you have about qualifying for a mortgage. We can also give you a rate quote based on the type of loan you need. Call us today to get the process started!
Yes, California’s 58 counties have different limits based on local housing prices.
A jumbo loan exceeds the conforming loan limit set for your county and requires stricter qualifications.
Yes, jumbo loans are widely available for high-value properties across the state.
Yes, FHA limits rise for duplexes, triplexes, and fourplexes.
Yes, USDA loans are offered in rural areas and provide zero-down financing.
Most lenders allow borrowers to lock in interest rates during the application process.
Yes, many loan programs accept gift money from approved sources.
Yes, lenders offer financing for second homes and vacation properties.
Yes, refinancing is subject to the same loan limit rules as new purchases.
Yes, but you’ll need to provide detailed financial documentation like tax returns.
Some lenders offer eco-friendly financing for energy-efficient upgrades.
Yes, but lenders may require alternative documentation such as bank statements.
Yes, loan limits rise with the number of units in the property.
Yes, pre-approval helps you understand your budget and strengthens your offer.
Yes, renovation loans allow you to finance both the purchase and repairs.
Yes, VA loans offer zero-down financing and competitive rates for eligible veterans and service members.
Sammamish Mortgage offers customized assistance to California borrowers on conforming and jumbo loan options based on county-specific limits.
Whether you’re buying a home or ready to refinance, our professionals can help.
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No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.