California’s 2022 County Loan Limits
Mortgage Broker
Chris Carter
Published on December 1, 2021

California’s 2022 County Loan Limits

For 2022, the FHFA (Federal Housing Finance Administration) set the baseline conforming loan limit for 1 unit properties at $647,200 for Conventional financing (an increase of nearly $100,000 from the 2021 cap of $548,250), and up to $970,800 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 $647,200 and $970,800 are referred to agency ‘High Balance’ or ‘Super Conforming’ loans because they exceed the baseline limit.

2022 FHA County Loan Limits in California
HUD/FHA determines their 2022 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 $420,680 and the ceiling is $970,800.
FHA Jumbo loan limit – California FHA loan amounts in high-cost counties between $647,200 and $970,800 are referred to FHA jumbo loans or FHA high balance loans.

2022 VA County Loan Limits in California
Good news….VA loans in California no longer have a county loan limit for 2022! 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 2022 FHA LOAN LIMIT 2022 CONVENTIONAL LOAN LIMIT
Alameda $970,800 $970,800
Alpine $463,450 $647,200
Amador $420,680 $647,200
Butte $420,680 $647,200
Calaveras $420,680 $647,200
Colusa $420,680 $647,200
Contra Costa $822,375 $970,800
Del Norte $420,680 $647,200
El Dorado $675,050 $675,050
Fresno $420,680 $647,200
Glenn $420,680 $647,200
Humboldt $420,680 $647,200
Imperial $420,680 $647,200
Inyo $431,250 $647,200
Kern $420,680 $647,200
Kings $420,680 $647,200
Lake $420,680 $647,200
Lassen $420,680 $647,200
Los Angeles $970,800 $970,800
Madera $420,680 $647,200
Marin $970,800 $970,800
Mariposa $420,680 $647,200
Mendocino $506,000 $647,200
Merced $420,680 $647,200
Modoc $420,680 $647,200
Mono $563,500 $647,200
Monterey $854,450 $854,450
Napa $897,000 $897,000
Nevada $609,500 $647,200
Orange $970,800 $970,800
Placer $675,050 $675,050
Plumas $420,680 $647,200
Riverside $562,350 $647,200
Sacramento $675,050 $675,050
San Benito $970,800 $970,800
San Bernardino $562,350 $647,200
San Diego $879,750 $879,750
San Francisco $970,800 $970,800
San Joaquin $563,500 $647,200
San Luis Obispo $805,000 $805,000
San Mateo $970,800 $970,800
Santa Barbara $805,000 $783,150
Santa Clara $970,800 $970,800
Santa Cruz $970,800 $970,800
Shasta $420,680 $647,200
Sierra $420,680 $647,200
Siskiyou $420,680 $647,200
Solano $614,100 $647,200
Sonoma $764,750 $764,750
Stanislaus $460,000 $647,200
Sutter $420,900 $647,200
Tehama $420,680 $647,200
Trinity $420,680 $647,200
Tulare $420,680 $647,200
Tuolumne $420,680 $647,200
Ventura $851,000 $851,000
Yolo $675,050 $675,050
Yuba $420,900 $647,200
Mortgage Broker
Chris Carter Mortgage Broker
Click to Call or Text:
(916) 794-8042