California County Loan Limit Lookup

Consumer disclosures

General educational information only. This calculator is provided for informational and educational purposes and is not intended as legal, tax, financial, credit, or lending advice. It does not constitute an application for credit, prequalification, preapproval, loan estimate, rate lock, or offer to enter into a loan transaction.

Limits may change. Government agencies may revise guidance, geographic designations, calculations, or published limits. Users should confirm all figures with the applicable agency and a licensed mortgage professional before relying on them.

FHA. FHA limits shown are base mortgage limits and may differ from the total financed amount when an upfront mortgage insurance premium is financed. FHA financing is subject to HUD requirements and lender approval.

Conventional / conforming. Conforming loan limits indicate the maximum original principal balance generally eligible for acquisition by Fannie Mae or Freddie Mac under applicable guidelines. A loan within the limit is not automatically eligible for sale to either enterprise and is not automatically approved.

VA. Eligible borrowers with full VA home-loan entitlement generally do not have a county loan limit. Borrowers with remaining or partial entitlement may be affected by the applicable county conforming loan limit and guaranty calculation. VA eligibility, entitlement, appraisal, occupancy, credit, income, residual income, and lender requirements apply. A Certificate of Eligibility should be reviewed by the lender.

USDA Guaranteed. The USDA Single Family Housing Guaranteed Loan Program does not use a fixed county loan limit in the same manner as FHA or conforming financing. Maximum financing is determined by repayment ability, eligible loan purposes, appraisal, household-income limits, property eligibility, lender underwriting, and USDA requirements. Property eligibility is address-specific; county selection alone does not establish eligibility. USDA Direct Loans are a separate program with separate area loan limits and eligibility standards.

Fair Housing and Equal Credit Opportunity. Housing and credit opportunities are offered without discrimination based on race, color, religion, national origin, sex, familial status, disability, marital status, age, receipt of public assistance, the good-faith exercise of rights under the Consumer Credit Protection Act, or any other characteristic protected by applicable federal, state, or local law. Equal Housing Opportunity.

Licensing. Laura Holbert — CA DRE #01932682 | Cheryl Shadden — CA DRE #01932888 | Team Integrity Realty | Equal Housing Opportunity.