U.S. · Mortgage limits 2026
California loan limits 2026, by county.
Conforming (Fannie Mae and Freddie Mac) and FHA maximum loan amounts for every California county, calendar year 2026.
The 2026 conforming loan limit for a one-unit home in California is $832,750 in the 41 counties with the national baseline and up to $1,249,125 in 10 high-cost counties, including Los Angeles, San Francisco, Santa Clara and Alameda. All 58 counties are in the table below, with two-, three- and four-unit limits and the FHA one-unit limit, which runs from $541,287 to $1,249,125.
Find a county
Searches the full table below.
How the California limits work
FHFA sets a single baseline conforming loan limit each year, $832,750 for a one-unit property in 2026, and most counties nationwide get exactly that. In higher-cost areas the limit is raised to 115 percent of the local median home value, capped at 150 percent of the baseline, which is the $1,249,125 ceiling. The limit restricts the size of loans Fannie Mae and Freddie Mac can purchase, not the price of the home. A loan above the county limit is a jumbo loan.
In California 41 of 58 counties sit at the baseline, 10 are at the $1,249,125 ceiling, and 7 fall in between because 115 percent of their local median home value is above the baseline but below the ceiling (for example Santa Barbara County at $941,850, the figure FHFA uses as its own worked example).
Counties above the baseline
These 17 counties have a one-unit limit above $832,750. Search for any other county in the full table further down.
| County | Conforming 1 unit | 2 units | 3 units | 4 units | FHA 1 unit |
|---|---|---|---|---|---|
| Alameda County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| Contra Costa County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| Los Angeles County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| Marin County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| Orange County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| San Benito County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| San Francisco County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| San Mateo County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| Santa Clara County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| Santa Cruz County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| San Diego County | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 | $1,104,000 |
| Ventura County | $1,035,000 | $1,325,000 | $1,601,600 | $1,990,450 | $1,035,000 |
| Napa County | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 | $1,017,750 |
| San Luis Obispo County | $1,000,500 | $1,280,850 | $1,548,250 | $1,924,100 | $1,000,500 |
| Monterey County | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 | $994,750 |
| Santa Barbara County | $941,850 | $1,205,750 | $1,457,450 | $1,811,300 | $941,850 |
| Sonoma County | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 | $897,000 |
Worked example
A $1,400,000 home in Alameda County with 20% down. The loan is $1,400,000 × 80% = $1,120,000. The Alameda County one-unit conforming limit is $1,249,125, so the loan fits under the limit. The most you could borrow there on a one-unit home is $1,249,125, which at 20% down matches a purchase price of up to $1,561,406.
In Alpine County the limit is $832,750, the baseline. A $900,000 purchase with 10% down is a $810,000 loan and fits; with 5% down it is a $855,000 loan, which is above the limit and would be a jumbo loan.
All 58 California counties
Search by county name. Conforming limits are for loans acquired in calendar year 2026; the FHA column is the HUD one-unit forward mortgage limit for 2026.
| County | Conforming 1 unit | 2 units | 3 units | 4 units | FHA 1 unit |
|---|---|---|---|---|---|
| Alameda County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| Alpine County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $736,000 |
| Amador County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Butte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Calaveras County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Colusa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Contra Costa County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| Del Norte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| El Dorado County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $764,750 |
| Fresno County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Glenn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Humboldt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Imperial County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Inyo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Kern County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Kings County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Lassen County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Los Angeles County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| Madera County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Marin County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| Mariposa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Mendocino County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $546,250 |
| Merced County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Modoc County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Mono County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $776,250 |
| Monterey County | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 | $994,750 |
| Napa County | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 | $1,017,750 |
| Nevada County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $649,750 |
| Orange County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| Placer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $764,750 |
| Plumas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Riverside County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $690,000 |
| Sacramento County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $764,750 |
| San Benito County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| San Bernardino County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $690,000 |
| San Diego County | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 | $1,104,000 |
| San Francisco County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| San Joaquin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $678,500 |
| San Luis Obispo County | $1,000,500 | $1,280,850 | $1,548,250 | $1,924,100 | $1,000,500 |
| San Mateo County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| Santa Barbara County | $941,850 | $1,205,750 | $1,457,450 | $1,811,300 | $941,850 |
| Santa Clara County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| Santa Cruz County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 |
| Shasta County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Sierra County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Siskiyou County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Solano County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $685,400 |
| Sonoma County | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 | $897,000 |
| Stanislaus County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $545,100 |
| Sutter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Tehama County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Trinity County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Tulare County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Tuolumne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
| Ventura County | $1,035,000 | $1,325,000 | $1,601,600 | $1,990,450 | $1,035,000 |
| Yolo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $764,750 |
| Yuba County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | $541,287 |
What the limits do not tell you
A county limit is not an approval. Lenders still apply credit, income and down payment rules, and a jumbo loan has its own pricing. FHA and conforming limits are separate programs with separate county tables, so always compare both for the county you are buying in. FHFA publishes new limits each year; this page shows calendar year 2026 and should be rechecked against FHFA when 2027 limits are released.
Sources
Primary sources opened and checked on November 2, 2026. Figures are as published by the source on that date.
- FHFA, Conforming Loan Limit values for 2026 (county file, CSV) (read November 2, 2026)
- FHFA, Conforming Loan Limit page (read November 2, 2026)
- FHFA, Conforming Loan Limit FAQs 2026 (read November 2, 2026)
- HUD, FHA forward mortgage limits for 2026 (CHUMS file) (read November 2, 2026)
Frequently asked questions
What is the conforming loan limit in California for 2026?
$832,750 for a one-unit home in 41 of the 58 counties, with up to $1,249,125 in the high-cost counties.
What is the highest loan limit in California?
$1,249,125 for a one-unit home, in 10 counties including Los Angeles, San Francisco, Santa Clara and Alameda. Two-, three- and four-unit limits are higher.
What is the FHA loan limit in California for 2026?
It depends on the county. For a one-unit home it runs from $541,287 to $1,249,125, per the HUD 2026 forward-limits file. Check the county in the table above.
Does a loan limit cap the price of the home I can buy?
No. FHFA says the limit restricts the size of the loan that Fannie Mae and Freddie Mac can purchase, not the price of the home. A larger down payment lets you buy a pricier home under the same limit.
What happens if my loan is above the county limit?
It is a jumbo (non-conforming) loan, which cannot be bought by Fannie Mae or Freddie Mac and is priced and underwritten by the lender under its own rules. You can reduce the loan amount with a larger down payment to get under the limit.
Reference data, not lending advice
Figures are copied from the FHFA 2026 county file and the HUD 2026 forward mortgage limits file linked above. A lender decides what loan you qualify for. Confirm the limit for your county with your lender before you sign.