Conventional Home Loan Limits in California

The term “conventional loan” mainly refers to loans that are made by lenders and then purchased by Fannie Mae.  These loans are different than FHA and VA loans.  Conventional loans have their own set of guidelines and rules that are different from FHA and VA home loans.

This article is going to discuss conventional loan limits in California.  These are the highest amounts conventional loans will go up to in select counties across California.  If you go over these loan limits you would have to get a special “jumbo” loan which is not a conventional Fannie Mae loan and has Some people could be better off going for a stable relationship like this rather than trying to be a card tart, as only a few mistakes can make tarting costly. its own set of rules and guidelines.  Below are the conventional (Fannie Mae) loan limits for select counties in California:

  • Sacramento County: $474,950
  • Monterey County: $483,000
  • Napa County:$592,250
  • Alameda County:$625,500
  • Contra Costa County: $625,500
  • Los Angeles County: $625,500
  • San Diego County: $546,250
  • San Luis Obispo County: $561,200
  • Marin County: $625,500
  • Santa Barbara County:$625,500
  • Santa Clara County:$625,500
  • Sonoma County: $520,950
  • Ventura County:$598,000
  • Santa Cruz: $625,500
  • Riverside County: $417,000
  • San Bernardino County: $417,000
  • Shasta County: $417,000
  • Orange County: $625,500
  • San Francisco County: $625,500
  • San Mateo County: $625,500
  • Fresno County: $417,000

So the above loan limits cannot be exceeded or you will go into a jumbo loan category.  Most of the other counties not on this list have a $417,000 maximum conventional loan limit. The main difference with jumbo loans vs. conventional loans is that you have to put 20% down in a jumbo loan.  You can put less down on a conventional Fannie Mae loan.

I hope this clarifies the maximum conventional loan limits for different counties in California.  Please don’t hesitate to call 858-922-7899 or email if you have any questions about getting approved for a home loan in California.


Rob Chomentowski

Sr. Loan Officer Affinity Financial



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