Use this loan limit calculator to determine if you fall into a conforming loan or need a jumbo loan by reviewing the conforming county limit for that home.
Borrowers should know what the home loan limit in their housing market is–it’s the first step toward owning a home. Why should you use this loan limit calculator to see how much you can borrow? Because the limits will vary depending on the size of the property (one to four units), whether the housing market is in a high-cost, low-cost, or typical-cost area and you’ll want to know how much you can borrow far in advance for the purpose of budgeting and planning your mortgage.
2023 Loan Limit Calculator
2023 Loan Limits by California Counties
| County | 1-Family Limit | 2-Family Limit | 3-Family Limit | 4-Family Limit |
| ALAMEDA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| ALPINE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| AMADOR | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BUTTE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CALAVERAS | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| COLUSA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CONTRA COSTA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| DEL NORTE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| EL DORADO | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| FRESNO | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| GLENN | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| HUMBOLDT | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| IMPERIAL | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| INYO | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| KERN | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| KINGS | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LAKE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LASSEN | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LOS ANGELES | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| MADERA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MARIN | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| MARIPOSA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MENDOCINO | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MERCED | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MODOC | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MONO | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MONTEREY | $915,400 | $1,171,900 | $1,416,550 | $1,760,400 |
| NAPA | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| NEVADA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ORANGE | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| PLACER | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| PLUMAS | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| RIVERSIDE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SACRAMENTO | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| SAN BENITO | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SAN BERNARDINO | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SAN DIEGO | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| SAN FRANCISCO | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SAN JOAQUIN | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SAN LUIS OBISPO | $911,950 | $1,167,450 | $1,411,200 | $1,753,800 |
| SAN MATEO | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SANTA BARBARA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| SANTA CLARA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SANTA CRUZ | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SHASTA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SIERRA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SISKIYOU | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SOLANO | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SONOMA | $861,350 | $1,102,700 | $1,332,900 | $1,656,450 |
| STANISLAUS | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SUTTER | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| TEHAMA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| TRINITY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| TULARE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| TUOLUMNE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| VENTURA | $948,750 | $1,214,600 | $1,468,150 | $1,824,550 |
| YOLO | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| YUBA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
About Home Loan Limits
What are home loan limits and how do they work? A loan limit is the highest amount you can borrow in that housing market and still be applying for a conforming loan. What’s a conforming loan? One that is at or below the loan limit for that area, set by county or zip code.
Loan limits are established annually. The Federal Housing Finance Agency sets a conforming loan limit for the year and these limits are the “cap” on the amount Fannie Mae and Freddie Mac will guarantee a loan for. Limits are subject to change from year to year.
Why are loan limits so important? Those who choose to purchase a home that is higher than the conforming loan limit (again, loans that are at or below the limit for that zip code) are permitted to do so but only as non-conforming loans AKA “Jumbo” loans. Jumbo loans will cost more, have higher interest rates, and will require higher credit scores.
Loan limits are not necessarily standard. Your loan limit may depend on the type of mortgage you seek. For example, FHA loan rules are different than VA home loan rules. Conventional mortgages may have different requirements from both VA and FHA loans depending on circumstances.
Loan Limit Based on Type of Loan Selected
To use this mortgage loan limit calculator to find out your loan limit, you’ll need to select the number of units your property has. Some borrowers are applying for home loans for a single-unit property. Others may be applying for multi-family residential units.
Are you planning to buy a single-family home or a multi-family residential unit? The Calculator will ask you to select the type of property. Is the house you want to buy considered a detached home? These are single-unit properties–a typical suburban house is a great example. A duplex, on the other hand, is not a detached home but considered a two-unit property. You can buy a home with as many as four living units in most cases. Which loan is right for your needs?
Conventional Loans
A conventional mortgage is one that is issued by a lender and does not have insurance or guarantees from the federal government. A conventional loan can be conforming (at or under the loan limit) or non-conforming (a Jumbo loan). Conforming loans must follow Fannie Mae and Freddie Mac guidelines.
Conventional loans can feature fixed-rate or adjustable rate mortgages, they can require mortgage insurance (generally a 20% down payment is required to avoid paying mortgage insurance) and conventional loans can be used for both owner-occupied residences and investment properties depending on the lender, borrower qualifications, etc.
Conventional loans feature different loan limits for high-cost areas including Alaska, Hawaii, and other regions that have higher housing costs than typical housing markets.