California loan limits 2026 by county
In 2026, 17 of the 58 counties in California have a conforming loan limit above the $832,750 national baseline; the highest is $1,249,125 for a one-unit home in 10 counties. FHA limits run from $541,287 to $1,249,125: 30 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every California county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Alameda County | $1,249,125 | $1,249,125 | San Francisco-Oakland-Fremont, CA |
| Alpine County | $832,750 | $736,000 | Gardnerville Ranchos, NV-CA |
| Amador County | $832,750 | $541,287 | Non-Metro |
| Butte County | $832,750 | $541,287 | Chico, CA |
| Calaveras County | $832,750 | $541,287 | Non-Metro |
| Colusa County | $832,750 | $541,287 | Non-Metro |
| Contra Costa County | $1,249,125 | $1,249,125 | San Francisco-Oakland-Fremont, CA |
| Del Norte County | $832,750 | $541,287 | Crescent City, CA |
| El Dorado County | $832,750 | $764,750 | Sacramento-Roseville-Folsom, CA |
| Fresno County | $832,750 | $541,287 | Fresno, CA |
| Glenn County | $832,750 | $541,287 | Non-Metro |
| Humboldt County | $832,750 | $541,287 | Eureka-Arcata, CA |
| Imperial County | $832,750 | $541,287 | El Centro, CA |
| Inyo County | $832,750 | $541,287 | Bishop, CA |
| Kern County | $832,750 | $541,287 | Bakersfield-Delano, CA |
| Kings County | $832,750 | $541,287 | Hanford-Corcoran, CA |
| Lake County | $832,750 | $541,287 | Clearlake, CA |
| Lassen County | $832,750 | $541,287 | Susanville, CA |
| Los Angeles County | $1,249,125 | $1,249,125 | Los Angeles-Long Beach-Anaheim, CA |
| Madera County | $832,750 | $541,287 | Fresno, CA |
| Marin County | $1,249,125 | $1,249,125 | San Francisco-Oakland-Fremont, CA |
| Mariposa County | $832,750 | $541,287 | Non-Metro |
| Mendocino County | $832,750 | $546,250 | Ukiah, CA |
| Merced County | $832,750 | $541,287 | Merced, CA |
| Modoc County | $832,750 | $541,287 | Non-Metro |
| Mono County | $832,750 | $776,250 | Non-Metro |
| Monterey County | $994,750 | $994,750 | Salinas, CA |
| Napa County | $1,017,750 | $1,017,750 | Napa, CA |
| Nevada County | $832,750 | $649,750 | Truckee-Grass Valley, CA |
| Orange County | $1,249,125 | $1,249,125 | Los Angeles-Long Beach-Anaheim, CA |
| Placer County | $832,750 | $764,750 | Sacramento-Roseville-Folsom, CA |
| Plumas County | $832,750 | $541,287 | Non-Metro |
| Riverside County | $832,750 | $690,000 | Riverside-San Bernardino-Ontario, CA |
| Sacramento County | $832,750 | $764,750 | Sacramento-Roseville-Folsom, CA |
| San Benito County | $1,249,125 | $1,249,125 | San Jose-Sunnyvale-Santa Clara, CA |
| San Bernardino County | $832,750 | $690,000 | Riverside-San Bernardino-Ontario, CA |
| San Diego County | $1,104,000 | $1,104,000 | San Diego-Chula Vista-Carlsbad, CA |
| San Francisco County | $1,249,125 | $1,249,125 | San Francisco-Oakland-Fremont, CA |
| San Joaquin County | $832,750 | $678,500 | Stockton-Lodi, CA |
| San Luis Obispo County | $1,000,500 | $1,000,500 | San Luis Obispo-Paso Robles, CA |
| San Mateo County | $1,249,125 | $1,249,125 | San Francisco-Oakland-Fremont, CA |
| Santa Barbara County | $941,850 | $941,850 | Santa Maria-Santa Barbara, CA |
| Santa Clara County | $1,249,125 | $1,249,125 | San Jose-Sunnyvale-Santa Clara, CA |
| Santa Cruz County | $1,249,125 | $1,249,125 | Santa Cruz-Watsonville, CA |
| Shasta County | $832,750 | $541,287 | Redding, CA |
| Sierra County | $832,750 | $541,287 | Non-Metro |
| Siskiyou County | $832,750 | $541,287 | Non-Metro |
| Solano County | $832,750 | $685,400 | Vallejo, CA |
| Sonoma County | $897,000 | $897,000 | Santa Rosa-Petaluma, CA |
| Stanislaus County | $832,750 | $545,100 | Modesto, CA |
| Sutter County | $832,750 | $541,287 | Yuba City, CA |
| Tehama County | $832,750 | $541,287 | Red Bluff, CA |
| Trinity County | $832,750 | $541,287 | Non-Metro |
| Tulare County | $832,750 | $541,287 | Visalia, CA |
| Tuolumne County | $832,750 | $541,287 | Sonora, CA |
| Ventura County | $1,035,000 | $1,035,000 | Oxnard-Thousand Oaks-Ventura, CA |
| Yolo County | $832,750 | $764,750 | Sacramento-Roseville-Folsom, CA |
| Yuba County | $832,750 | $541,287 | Yuba City, CA |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in California
Alameda County ($1,249,125), Contra Costa County ($1,249,125), Los Angeles County ($1,249,125), Marin County ($1,249,125) and Orange County ($1,249,125). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in California
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- California fair market rentsHUD Fair Market Rents for every California county, studios to 4 bedrooms.
- California property tax ratesEffective property tax rate for every California county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about California loan limits
What are the FHA loan limits in California for 2026?
$541,287 to $1,249,125 for a one-unit home, depending on the county. 30 counties are above the national floor of $541,287, led by Alameda County ($1,249,125), Contra Costa County ($1,249,125) and Los Angeles County ($1,249,125); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in California for 2026?
$832,750 to $1,249,125 for a one-unit home, by county; 17 counties are above the $832,750 baseline (FHFA, effective January 1, 2026).
What is the VA loan limit in California?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 to $1,249,125 in California for 2026: 25 percent of that limit minus the entitlement already used.
Which California counties have the highest loan limits?
Conforming: Alameda County at $1,249,125. FHA: Alameda County at $1,249,125. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/california. Not lending advice.