California’s 2021 Conventional Conforming County Loan Limit
Mortgage Broker
Chris Carter
Published on April 8, 2021

California’s 2021 Conventional Conforming County Loan Limit

For 2021, the FHFA (Federal Housing Finance Administration) set the baseline conforming loan limit for 1 unit properties at $548,250 for Conventional financing (Fannie Mae & Freddie Mac) and up to $822,375 on high cost counties California.
What is a Conforming loan? A conforming home loan must meet, or “conform” to certain criteria or guidelines set forth by Government Sponsored Entities (GSE’s) Freddie Mac and Fannie Mae. The loan amount is just one of those criteria needed to be classified as a ‘conforming’ loan.
What is a High Balance or ‘high-cost’ county loan limit? Loan limits are derived by median home prices in a particular county and have a ceiling of 150% of the baseline mortgage limit. Loan amounts between $548,250 and $822,375 are referred to agency ‘High Balance’ or ‘Super Conforming’ loans because they exceed the baseline limit.

2021 FHA County Loan Limits in California

HUD/FHA determines their 2021 maximum county mortgage limit differently than FHFA. The FHA (Federal Housing Administration) is required to set a single family floor and ceiling loan limit range, which is based on 80% to 150% of the median home prices.
The FHA’s current floor is $356,362 and the ceiling is $822,375.
FHA Jumbo loan limit – California FHA loan amounts in high-cost counties between $548,250 and $822,375 are referred to FHA jumbo loans or FHA high balance loans.

2021 VA County Loan Limits in California

Good news….VA loans in California no longer have a county loan limit for 2021! In VA Circular 26-19-30, the VA announced that President Trump signed the Blue Water Navy Vietnam Veterans Act that removes all county loan limits for Veterans

Loan limits listed below are for 1 unit properties. Loan limits for 2-4 units are higher. Contact me for details on qualifying and loan limits for 2-4 unit property.

COUNTY 2021 FHA LOAN LIMIT 2021 CONVENTIONAL LOAN LIMIT
Alameda 822,375 822,375
Alpine 463,450 548,250
Amador 364,550 548,250
Butte 356,362 548,250
Calaveras 373,750 548,250
Colusa 356,362 548,250
Contra Costa 822,375 822,375
Del Norte 356,362 548,250
El Dorado 598,000 598,000
Fresno 356,362 548,250
Glenn 356,362 548,250
Humboldt 356,362 548,250
Imperial 356,362 548,250
Inyo 373,750 548,250
Kern 356,362 548,250
Kings 356,362 548,250
Lake 356,362 548,250
Lassen 356,362 548,250
Los Angeles 822,375 822,375
Madera 356,362 548,250
Marin 822,375 822,375
Mariposa 356,362 548,250
Mendocino 442,750 548,250
Merced 356,362 548,250
Modoc 356,362 548,250
Mono 529,000 548,250
Monterey 739,450 739,450
Napa 816,500 816,500
Nevada 526,700 548,250
Orange 822,375 822,375
Placer 598,000 598,000
Plumas 356,362 548,250
Riverside 477,250 548,250
Sacramento 598,000 598,000
San Benito 822,375 822,375
San Bernardino 477,250 548,250
San Diego 753,250 753,250
San Francisco 822,375 822,375
San Joaquin 483,000 548,250
San Luis Obispo 701,500 701,500
San Mateo 822,375 822,375
Santa Barbara 660,100 660,100
Santa Clara 822,375 822,375
Santa Cruz 822,375 822,375
Shasta 356,362 548,250
Sierra 356,362 548,250
Siskiyou 356,362 548,250
Solano 550,850 550,850
Sonoma 707,250 707,250
Stanislaus 396,750 548,250
Sutter 373,750 548,250
Tehama 356,362 548,250
Trinity 356,362 548,250
Tulare 356,362 548,250
Tuolumne 356,362 548,250
Ventura 739,450 739,450
Yolo 765,550 598,000
Yuba 373,750 548,250
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