Fannie Mae and Freddie Mac have increased conforming loan limits in California for 2022.
Fannie Mae and Freddie Mac have increased conforming loan limits in California for 2021.
Conforming loan limits in California are currently at $647,200 and below, with “high-cost” conforming loan limits in certain California counties reaching as high as $970,800.
(See within the below table where your county lies)
Here are the 2022 Conforming limits for all 58 counties in California. “One-Unit” refers to a property with one structure (ie a Single Family Residence – SFR, condo, townhouse, PUD.), “Two-Unit” is a Duplex, etc. Higher loan limits allows more people to qualify for the best available mortgage rates. The Federal Housing Finance Agency (FHFA) updates their conforming loan limits every year.
County | One-Unit | Two-Unit | Three-Unit | Four-Unit |
---|---|---|---|---|
ALAMEDA | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
ALPINE | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
AMADOR | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
BUTTE | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
CALAVERAS | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
COLUSA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
CONTRA COSTA | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
DEL NORTE | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
EL DORADO | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
FRESNO | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
GLENN | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
HUMBOLDT | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
IMPERIAL | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
INYO | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
KERN | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
KINGS | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
LAKE | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
LASSEN | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
LOS ANGELES | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
MADERA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
MARIN | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
MARIPOSA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
MENDOCINO | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
MERCED | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
MODOC | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
MONO | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
MONTEREY | $854,450 | $1,093,850 | $1,322,200 | $1,643,200 |
NAPA | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 |
NEVADA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
ORANGE | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
PLACER | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
PLUMAS | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
RIVERSIDE | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
SACRAMENTO | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
SAN BENITO | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
SAN BERNARDINO | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
SAN DIEGO | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 |
SAN FRANCISCO | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
SAN JOAQUIN | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
SAN LUIS OBISPO | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
SAN MATEO | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
SANTA BARBARA | $783,150 | $1,002,600 | $1,211,900 | $1,506,100 |
SANTA CLARA | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
SANTA CRUZ | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
SHASTA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
SIERRA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
SISKIYOU | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
SOLANO | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
SONOMA | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
STANISLAUS | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
SUTTER | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
TEHAMA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
TRINITY | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
TULARE | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
TUOLUMNE | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
VENTURA | $851,000 | $1,089,450 | $1,316,900 | $1,636,550 |
YOLO | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
YUBA | $647,200 | $828,700 | $1,001,650 | $1,244,850 |
WATSON CAPITAL MORTGAGE INC.
2950 Buskirk Ave Suite #300
Walnut Creek, Ca 94597
Office: (866) 434-1550
E-Fax: (888) 984-3511
Email: Bradwatson@wcmrates.com
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Watson Capital Mortgage, Inc. is an independent mortgage brokerage company licensed to originate mortgage loans in the state of Califoria. Watson Capital Mortgage, Inc. supports Equal Housing Opportunity. Terms, interest rates, fees, promotions, and/or products listed above are subject to change or cancelation without notice and may or may not be available at the time of mortgage commitment or at the time of rate lock by either Watson Capital Mortgage or any third party company we work with.