2026 loan limits

California loan limits by county

Conforming and FHA limits for all 58 California counties, from the official 2026 FHFA and HUD numbers. We shop your loan with 130+ lenders anywhere in the state.

Apply Now Try the Loan Coach first

San Diego and Imperial Los Angeles, Orange and Ventura Inland Empire San Francisco Bay Area and Wine Country Central Coast Sacramento and the Gold Country Central Valley Northern California Eastern Sierra and Yosemite

County	Conforming, 1 unit	Conforming, 4 units	FHA, 1 unit	Region
Alameda	$1,249,125	$2,402,625	$1,249,125	San Francisco Bay Area and Wine Country
Alpine	$832,750	$1,601,750	$736,000	Eastern Sierra and Yosemite
Amador	$832,750	$1,601,750	$541,287	Sacramento and the Gold Country
Butte	$832,750	$1,601,750	$541,287	Northern California
Calaveras	$832,750	$1,601,750	$541,287	Sacramento and the Gold Country
Colusa	$832,750	$1,601,750	$541,287	Northern California
Contra Costa	$1,249,125	$2,402,625	$1,249,125	San Francisco Bay Area and Wine Country
Del Norte	$832,750	$1,601,750	$541,287	Northern California
El Dorado	$832,750	$1,601,750	$764,750	Sacramento and the Gold Country
Fresno	$832,750	$1,601,750	$541,287	Central Valley
Glenn	$832,750	$1,601,750	$541,287	Northern California
Humboldt	$832,750	$1,601,750	$541,287	Northern California
Imperial	$832,750	$1,601,750	$541,287	San Diego and Imperial
Inyo	$832,750	$1,601,750	$541,287	Eastern Sierra and Yosemite
Kern	$832,750	$1,601,750	$541,287	Central Valley
Kings	$832,750	$1,601,750	$541,287	Central Valley
Lake	$832,750	$1,601,750	$541,287	Northern California
Lassen	$832,750	$1,601,750	$541,287	Northern California
Los Angeles	$1,249,125	$2,402,625	$1,249,125	Los Angeles, Orange and Ventura
Madera	$832,750	$1,601,750	$541,287	Central Valley
Marin	$1,249,125	$2,402,625	$1,249,125	San Francisco Bay Area and Wine Country
Mariposa	$832,750	$1,601,750	$541,287	Eastern Sierra and Yosemite
Mendocino	$832,750	$1,601,750	$546,250	Northern California
Merced	$832,750	$1,601,750	$541,287	Central Valley
Modoc	$832,750	$1,601,750	$541,287	Northern California
Mono	$832,750	$1,601,750	$776,250	Eastern Sierra and Yosemite
Monterey	$994,750	$1,913,000	$994,750	Central Coast
Napa	$1,017,750	$1,957,250	$1,017,750	San Francisco Bay Area and Wine Country
Nevada	$832,750	$1,601,750	$649,750	Sacramento and the Gold Country
Orange	$1,249,125	$2,402,625	$1,249,125	Los Angeles, Orange and Ventura
Placer	$832,750	$1,601,750	$764,750	Sacramento and the Gold Country
Plumas	$832,750	$1,601,750	$541,287	Northern California
Riverside	$832,750	$1,601,750	$690,000	Inland Empire
Sacramento	$832,750	$1,601,750	$764,750	Sacramento and the Gold Country
San Benito	$1,249,125	$2,402,625	$1,249,125	Central Coast
San Bernardino	$832,750	$1,601,750	$690,000	Inland Empire
San Diego	$1,104,000	$2,123,100	$1,104,000	San Diego and Imperial
San Francisco	$1,249,125	$2,402,625	$1,249,125	San Francisco Bay Area and Wine Country
San Joaquin	$832,750	$1,601,750	$678,500	Central Valley
San Luis Obispo	$1,000,500	$1,924,100	$1,000,500	Central Coast
San Mateo	$1,249,125	$2,402,625	$1,249,125	San Francisco Bay Area and Wine Country
Santa Barbara	$941,850	$1,811,300	$941,850	Central Coast
Santa Clara	$1,249,125	$2,402,625	$1,249,125	San Francisco Bay Area and Wine Country
Santa Cruz	$1,249,125	$2,402,625	$1,249,125	Central Coast
Shasta	$832,750	$1,601,750	$541,287	Northern California
Sierra	$832,750	$1,601,750	$541,287	Eastern Sierra and Yosemite
Siskiyou	$832,750	$1,601,750	$541,287	Northern California
Solano	$832,750	$1,601,750	$685,400	San Francisco Bay Area and Wine Country
Sonoma	$897,000	$1,725,050	$897,000	San Francisco Bay Area and Wine Country
Stanislaus	$832,750	$1,601,750	$545,100	Central Valley
Sutter	$832,750	$1,601,750	$541,287	Sacramento and the Gold Country
Tehama	$832,750	$1,601,750	$541,287	Northern California
Trinity	$832,750	$1,601,750	$541,287	Northern California
Tulare	$832,750	$1,601,750	$541,287	Central Valley
Tuolumne	$832,750	$1,601,750	$541,287	Sacramento and the Gold Country
Ventura	$1,035,000	$1,990,450	$1,035,000	Los Angeles, Orange and Ventura
Yolo	$832,750	$1,601,750	$764,750	Sacramento and the Gold Country
Yuba	$832,750	$1,601,750	$541,287	Sacramento and the Gold Country

2026 limits: Federal Housing Finance Agency (conforming) and U.S. Department of Housing and Urban Development (FHA, CY2026). Limits apply to loans that close in 2026. Not an offer of credit; loan approval depends on the lender's guidelines.

Questions

Good to know

What is the conforming loan limit in California for 2026?

It depends on the county. Most California counties use $832,750 for a one-unit home, and the highest-cost counties go up to $1,249,125.

What is the FHA loan limit in California for 2026?

FHA limits run from $541,287 in lower-cost counties up to $1,249,125 in the highest-cost counties for a one-unit home.

Which California counties have the highest loan limits?

Alameda, Contra Costa, Los Angeles, Marin, Orange, San Benito, San Francisco, San Mateo, Santa Clara and Santa Cruz are at the national ceiling.

California loan limits by county

Good to know

One application.One soft pull.130+ lenders.

One application.
One soft pull.
130+ lenders.