2016 California Fannie Mae & Freddie Mac Loan limits for 2016 - FNMA & FHLMC Conforming Conventional Loans

Fannie Mae & Freddie Mac have announced Conforming loan limits for 2016.  The standard conventional loan limit remains at $417K across most of the USA. This is also called the Conforming Loan Limit ($417K). High Cost Areas have loan limits based on the Permanent High Cost Loan Limit established in the HERA bill. These loans are also called Conforming Jumbo, Conforming High Balance, or Super Conforming loans.

Go here for 2015 California FHA Loan Limits  

There are different down payment requirements for Conforming Conventional Loans. 

  • Conventional Loans up to $417K loan amounts require a minimum of 3% down payment.  
  • Conventional Loans that are between $417,001 up to the $625,500 High Cost County Loan limit are available with as little as 5% down payment required (in eligible areas)

VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA JumboVA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).


County Name

One-Family

Two-Family

Three-Family

Four-Family

 

ALAMEDA

$625,500

$800,775

$967,950

$1,202,925

 

ALPINE

$463,450

$593,300

$717,150

$891,250

 

AMADOR

$417,000

$533,850

$645,300

$801,950

 

BUTTE

$417,000

$533,850

$645,300

$801,950

 

CALAVERAS

$417,000

$533,850

$645,300

$801,950

 

COLUSA

$417,000

$533,850

$645,300

$801,950

 

CONTRA COSTA

$625,500

$800,775

$967,950

$1,202,925

 

DEL NORTE

$417,000

$533,850

$645,300

$801,950

 

EL DORADO

$474,950

$608,000

$734,950

$913,350

 

FRESNO

$417,000

$533,850

$645,300

$801,950

 

GLENN

$417,000

$533,850

$645,300

$801,950

 

HUMBOLDT

$417,000

$533,850

$645,300

$801,950

 

IMPERIAL

$417,000

$533,850

$645,300

$801,950

 

INYO

$417,000

$533,850

$645,300

$801,950

 

KERN

$417,000

$533,850

$645,300

$801,950

 

KINGS

$417,000

$533,850

$645,300

$801,950

 

LAKE

$417,000

$533,850

$645,300

$801,950

 

LASSEN

$417,000

$533,850

$645,300

$801,950

 

LOS ANGELES

$625,500

$800,775

$967,950

$1,202,925

 

MADERA

$417,000

$533,850

$645,300

$801,950

 

MARIN

$625,500

$800,775

$967,950

$1,202,925

 

MARIPOSA

$417,000

$533,850

$645,300

$801,950

 

MENDOCINO

$417,000

$533,850

$645,300

$801,950

 

MERCED

$417,000

$533,850

$645,300

$801,950

 

MODOC

$417,000

$533,850

$645,300

$801,950

 

MONO

$529,000

$677,200

$818,600

$1,017,300

 

MONTEREY

$529,000

$677,200

$818,600

$1,017,300

 

NAPA

$625,500

$800,775

$967,950

$1,202,925

 

NEVADA

$477,250

$610,950

$738,500

$917,800

 

ORANGE

$625,500

$800,775

$967,950

$1,202,925

 

PLACER

$474,950

$608,000

$734,950

$913,350

 

PLUMAS

$417,000

$533,850

$645,300

$801,950

 

RIVERSIDE

$417,000

$533,850

$645,300

$801,950

 

SACRAMENTO

$474,950

$608,000

$734,950

$913,350

 

SAN BENITO

$625,500

$800,775

$967,950

$1,202,925

 

SAN BERNARDINO

$417,000

$533,850

$645,300

$801,950

 

SAN DIEGO

$580,750

$743,450

$898,700

$1,116,850

 

SAN FRANCISCO

$625,500

$800,775

$967,950

$1,202,925

 

SAN JOAQUIN

$417,000

$533,850

$645,300

$801,950

 

SAN LUIS OBISPO

$561,200

$718,450

$868,400

$1,079,250

 

SAN MATEO

$625,500

$800,775

$967,950

$1,202,925

 

SANTA BARBARA

$625,500

$800,775

$967,950

$1,202,925

 

SANTA CLARA

$625,500

$800,775

$967,950

$1,202,925

 

SANTA CRUZ

$625,500

$800,775

$967,950

$1,202,925

 

SHASTA

$417,000

$533,850

$645,300

$801,950

 

SIERRA

$417,000

$533,850

$645,300

$801,950

 

SISKIYOU

$417,000

$533,850

$645,300

$801,950

 

SOLANO

$417,000

$533,850

$645,300

$801,950

 

SONOMA

$554,300

$709,600

$857,750

$1,065,950

 

STANISLAUS

$417,000

$533,850

$645,300

$801,950

 

SUTTER

$417,000

$533,850

$645,300

$801,950

 

TEHAMA

$417,000

$533,850

$645,300

$801,950

 

TRINITY

$417,000

$533,850

$645,300

$801,950

 

TULARE

$417,000

$533,850

$645,300

$801,950

 

TUOLUMNE

$417,000

$533,850

$645,300

$801,950

 

VENTURA

$603,750

$772,900

$934,250

$1,161,050

 

YOLO

$474,950

$608,000

$734,950

$913,350

 

YUBA

$417,000

$533,850

$645,300

$801,950

 

 

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.