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California Conforming Loan Limits

California Conforming Loan Limits

Fannie Mae and Freddie Mac have increased conforming loan limits in California for 2021.

Fannie Mae and Freddie Mac have increased conforming loan limits in California for 2021.



Conforming loan limits in California are currently at $548,250 and below, with “high-cost” conforming loan limits in certain California counties reaching as high as $822,375.
(See within the below table where your county lies)

2021 Conforming Loan Limits in California:

Here are the 2021 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 State One-Unit Two-Unit Three-Unit Four-Unit
ALAMEDA CA  $822,375  $1,053,000  $1,272,750  $1,581,750
ALPINE CA  $548,250  $702,000  $848,500  $1,054,500
AMADOR CA  $548,250  $702,000  $848,500  $1,054,500
BUTTE CA  $548,250  $702,000  $848,500  $1,054,500
CALAVERAS CA  $548,250  $702,000  $848,500  $1,054,500
COLUSA CA  $548,250  $702,000  $848,500  $1,054,500
CONTRA COSTA CA  $822,375  $1,053,000  $1,272,750  $1,581,750
DEL NORTE CA  $548,250  $702,000  $848,500  $1,054,500
EL DORADO CA  $598,000  $765,550  $925,350  $1,150,000
FRESNO CA  $548,250  $702,000  $848,500  $1,054,500
GLENN CA  $548,250  $702,000  $848,500  $1,054,500
HUMBOLDT CA  $548,250  $702,000  $848,500  $1,054,500
IMPERIAL CA  $548,250  $702,000  $848,500  $1,054,500
INYO CA  $548,250  $702,000  $848,500  $1,054,500
KERN CA  $548,250  $702,000  $848,500  $1,054,500
KINGS CA  $548,250  $702,000  $848,500  $1,054,500
LAKE CA  $548,250  $702,000  $848,500  $1,054,500
LASSEN CA  $548,250  $702,000  $848,500  $1,054,500
LOS ANGELES CA  $822,375  $1,053,000  $1,272,750  $1,581,750
MADERA CA  $548,250  $702,000  $848,500  $1,054,500
MARIN CA  $822,375  $1,053,000  $1,272,750  $1,581,750
MARIPOSA CA  $548,250  $702,000  $848,500  $1,054,500
MENDOCINO CA  $548,250  $702,000  $1,272,750  $1054,500
MERCED CA  $548,250  $702,000  $848,500  $1,054,500
MODOC CA  $548,250  $702,000  $848,500  $1,054,500
MONO CA  $548,250  $702,000  $848,500  $1,054,500
MONTEREY CA  $739,450  $946,650  $1,144,250  $1,422,050
NAPA CA  $816,500  $1,045,250  $1,263,500  $1,570,200
NEVADA CA  $548,250  $702,000  $848,500  $1,054,500
ORANGE CA  $822,375  $1,053,000  $1,272,750  $1,581,750
PLACER CA  $598,000  $765,550  $925,350  $1,150,000
PLUMAS CA  $548,250  $702,000  $848,500  $1,054,500
RIVERSIDE CA  $548,250  $702,000  $848,500  $1,054,500
SACRAMENTO CA  $598,000  $765,550  $925,350  $1,150,000
SAN BENITO CA  $822,375  $1,053,000  $1,272,750  $1,581,750
SAN BERNARDINO CA  $548,250  $702,000  $848,500  $1,054,500
SAN DIEGO CA  $753,250  $964,300  $1,165,600  $1,448,600
SAN FRANCISCO CA  $822,375  $1,053,000  $1,272,750  $1,581,750
SAN JOAQUIN CA  $548,250  $702,000  $848,500  $1,054,500
SAN LUIS OBISPO CA  $701,500  $898,050  $1,085,550  $1,349,050
SAN MATEO CA  $822,375  $1,053,000  $1,272,750  $1,581,750
SANTA BARBARA CA  $660,100  $848,050  $1,021,450  $1,269,450
SANTA CLARA CA  $822,375  $1,053,000  $1,272,750  $1,581,750
SANTA CRUZ CA  $822,375  $1,053,000  $1,272,750  $1,581,750
SHASTA CA  $548,250  $702,000  $848,500  $1,054,500
SIERRA CA  $548,250  $702,000  $ 848,500  $1,054,500
SISKIYOU CA  $548,250  $702,000  $848,500  $1,054,500
SOLANO CA  $550,850  $705,200  $852,400  $1,059,350
SONOMA CA  $707,250  $905,400  $1,094,450  $1,360,100
STANISLAUS CA  $548,250  $702,000  $848,500  $1,054,500
SUTTER CA  $548,250  $702,000  $848,500  $1,054,500
TEHAMA CA  $548,250  $702,000  $848,500  $1,054,500
TRINITY CA  $548,250  $702,000  $848,500  $1,054,500
TULARE CA  $548,250  $702,000  $848,500  $1,054,500
TUOLUMNE CA  $548,250  $702,000  $848,500  $1,054,500
VENTURA CA  $739,450  $946,650  $1,144,250  $1,422,050
YOLO CA  $598,000  $765,550  $925,350  $1,150,000
YUBA CA  $548,250  $702,000  $925,350  $1,150,500

WATSON CAPITAL MORTGAGE INC. 
2950 Buskirk Ave Suite #300
Walnut Creek, Ca 94597
Office: (866) 434-1550
E-Fax: (888) 984-3511
EmailBradwatson@wcmrates.com 
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Company NMLS #2061728
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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.

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