2018 California Fannie Mae and Freddie Mac Loan Limits for FNMA and FHLMC Conforming Conventional Loans

Fannie Mae and Freddie Mac have announced the Conforming Loan Limits for 2018.   The standard conventional loan limit has increased to $453,100 across most of the USA.  This is also called the Conforming Loan Limit (453K).  High Cost Areas have higher loan limits based on the Permanent High Cost Loan Limit established in Congress' HERA bill several years back.  The Max conforming loan for Fannie Mae and Freddie Mac in the highest cost areas is now $679.650 for 2018.  These loans are also called Conforming Jumbo, Conforming High Balance, and Super Conforming Loans. 

Go here for the 2018 California FHA Loan Limits

Go here for the 2018 California VA Loan LImits

There are different down payment requirements for Conforming Conventional loans.
  >> Conventional Loans up to $453K loan amounts require a minimum of 3% down payment.
  >> Conventional Loans that are between $453,101 up to the max $679,650 High Cost County Loan Limit are available with as little as 5% down payment required (in eligible areas).

VanDyk Mortgage offers FHA, VA, and Conventional Loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo Loans (aka FHA High Balance, VA High Balance and Conforming High Balance)

2018 California Conforming Loan Limits for all California Counties below:

County                    1-family         2-family         3-family         4 family

Alameda                 
$679,650       $870,225        $1,051,875    $1,307,175 

Alpine                     
$463,450       $593,300        $717,150       $891,250   

Amador                   
$453,100       $580,150        $701,250       $871,450

Butte                      $453,100       $580,150        $701,250       $871,450

Calaveras               $453,100       $580,150        $701,250       $871,450

Colusa                   $453,100       $580,150        $701,250       $871,450

Contra Costa            $679,650       $870,225        $1,051,875    $1,307,175 

Del Norte                $453,100       $580,150        $701,250       $871,450

El Dorado                 $517,500        $662,500        $800,800       $995,200 

Fresno                    $453,100       $580,150        $701,250       $871,450

Glenn                      $453,100       $580,150        $701,250       $871,450

Humboldt
              
$453,100       $580,150        $701,250       $871,450
 
Imperial                   $453,100       $580,150        $701,250       $871,450

Inyo                         $453,100       $580,150        $701,250       $871,450

Kern                        $453,100       $580,150        $701,250       $871,450

Kings                          $453,100       $580,150        $701,250       $871,450

Lake                            $453,100       $580,150        $701,250       $871,450

Lassen                        $453,100       $580,150        $701,250       $871,450

Los Angeles               $679,650       $870,225        $1,051,875    $1,307,175


Madera                        $453,100       $580,150        $701,250       $871,450

Marin                           $679,650       $870,225        $1,051,875    $1,307,175

Mariposa                     $453,100       $580,150        $701,250       $871,450

Mendocino                  $453,100       $580,150        $701,250       $871,450

Merced                         $453,100       $580,150        $701,250       $871,450

Modoc                          $453,100       $580,150        $701,250       $871,450

Mono                            $529,000       $677,200        $818,600       $1,017,300

Monterey                      $615,250       $787,650        $952,050       $1,183,200

Napa                             $679,650       $870,225        $1,051,875    $1,307,175

Nevada                         $477,250       $610,950        $738,500       $917,800

Orange                         $679,650       $870,225        $1,051,875    $1,307,175

Placer                           $517,500        $662,500        $800,800       $995,200 

Plumas                         $453,100       $580,150        $701,250       $871,450   

Riverside                      $453,100       $580,150        $701,250       $871,450

Sacramento                  $517,500        $662,500        $800,800       $995,200 

San Benito                    $679,650       $870,225        $1,051,875    $1,307,175

San Bernardino            $453,100       $580,150        $701,250       $871,450

San Diego                     $649,750       $831,800        $1,005,450     $1,249,550

San Francisco              $679,650       $870,225        $1,051,875    $1,307,175

San Joaquin                  $453,100       $580,150        $701,250       $871,450

San Luis Obispo           $615,250       $787,650        $952,050       $1,183,200

San Mateo                      $679,650       $870,225        $1,051,875    $1,307,175

Santa Barbara                $625,500       $800,775        $967,950       $1,202,925

Santa Clara                     $679,650       $870,225        $1,051,875    $1,307,175

Santa Cruz                      $679,650       $870,225        $1,051,875    $1,307,175

Shasta                             $453,100       $580,150        $701,250       $871,450

Sierra                               $453,100       $580,150        $701,250       $871,450

Siskiyou                          $453,100       $580,150        $701,250       $871,450

Solano                             $453,100       $580,150        $701,250       $871,450

Sonoma                           $648,600       $830,300        $1,003,650    $1,247,300

Stanislaus                       $453,100       $580,150        $701,250       $871,450

Sutter                              $453,100       $580,150        $701,250       $871,450

Tehama                           $453,100       $580,150        $701,250       $871,450

Trinity                              $453,100       $580,150        $701,250       $871,450

Tulare                              $453,100       $580,150        $701,250       $871,450

Tuolomne                        $453,100       $580,150        $701,250       $871,450

Ventura                            $672,750       $861,250      $1,041,050      $1,293,750

Yolo                                  $517,500        $662,500       $800,800       $995,200 

Yuba                                 $453,100       $580,150        $701,250       $871,450

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We serve the following areas for FHA and Conventional loans: California, San Diego, San Marcos, Carlsbad, Oceanside, Vista, Escondido, Fallbrook, Bonsall, Riverside, Los Angeles, Orange County, Irvine, Corona, Anaheim, Santa Ana, Seattle, Washington, Bellevue, Kirkland, Redmond, Lynnwood, Olympia, Tacoma, Puyallup, Buckley, Auburn, Kent, Federal Way, Seatac, San Francisco, San Jose, Carson, Gardena, Hawthorne, Lawndale, Inglewood, Ladera Heights, View Park, Windsor Hills, Baldwin Hills, Fox Hills, Culver City, Beverly Hills, Malibu, Santa Monica, Brentwood, Calabasas, Encino, Bel Air Estates, Palos Verdes Estates, Rancho Palos Verdes, Rolling Hills, Rolling Hills Estates, Manhattan Beach, Redondo Beach, Hermosa Beach, Torrance, San Marcos, San Diego, Rancho Bernardo, Carlsbad, Escondido, Poway, Oceanside, Vista, Encinitas, Carmel Valley, Scripps, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Long Beach, Artesia, La Palma, Cerritos, Compton, Lynwood, Bellflower, Temecula, Murrieta, Southern California, Northern California, Washington, Everett, Lynnwood, Tacoma, Kent, Federal Way, Auburn, Renton, Bellevue, Redmond, Kirkland, Whittier, Santa Fe Springs, Downey, Irvine, Newport Beach, Los Angeles, San Bernardino, Riverside and Orange County.

 






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