2019 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 2019.   The standard conventional loan limit has increased to $486,450 across most of the USA.  This is also called the Conforming Loan Limit (486K).  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 $726.525 for 2019.  These loans are also called Conforming Jumbo, Conforming High Balance, and Super Conforming Loans. 

Go here for the 2019 California FHA Loan Limits

Go here for the 2019 California VA Loan LImits

There are different down payment requirements for Conforming Conventional loans.
  >> Conventional Loans up to $486K loan amounts require a minimum of 3% down payment.
  >> Conventional Loans that are between $486,451 up to the max $726,525 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)

2019 California Conforming Loan Limits for all California Counties below:

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

Alameda                 
$726,525       $930,300        $1,124,475    $1,397,400 

Alpine                     
$484,350       $620,200        $749,650       $931,600   

Amador                   
$484,350       $620,200        $749,650       $931,600

Butte                      $484,350       $620,200        $749,650       $931,600

Calaveras               $484,350       $620,200        $749,650       $931,600

Colusa                   $484,350       $620,200        $749,650       $931,600

Contra Costa           $726,525       $930,300        $1,124,475    $1,397,400

Del Norte                $484,350       $620,200        $749,650       $931,600

El Dorado                 $552,000        $706,650        $854,200       $1,061,550

Fresno                    $484,350       $620,200        $749,650       $931,600

Glenn                      $484,350       $620,200        $749,650       $931,600

Humboldt
              
$484,350       $620,200        $749,650       $931,600
 
Imperial                   $484,350       $620,200        $749,650       $931,600

Inyo                         $484,350       $620,200        $749,650       $931,600

Kern                        $484,350       $620,200        $749,650       $931,600

Kings                          $484,350       $620,200        $749,650       $931,600

Lake                            $484,350       $620,200        $749,650       $931,600

Lassen                        $484,350       $620,200        $749,650       $931,600

Los Angeles              
$726,525       $930,300        $1,124,475    $1,397,400

Madera                        $484,350       $620,200        $749,650       $931,600

Marin                           $726,525       $930,300        $1,124,475    $1,397,400

Mariposa                     $484,350       $620,200        $749,650       $931,600

Mendocino                  $484,350       $620,200        $749,650       $931,600

Merced                         $484,350       $620,200        $749,650       $931,600

Modoc                          $484,350       $620,200        $749,650       $931,600

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

Monterey                      $652,050       $834,750        $1,009,000    $1,253,950

Napa                             $726,525       $930,300        $1,124,475    $1,397,400

Nevada                         $486,450       $622,750        $752,750       $935,500

Orange                         $726,525       $930,300        $1,124,475    $1,397,400

Placer                           $552,000        $706,650        $854,200       $1,061,550 

Plumas                         $484,350       $620,200        $749,650       $931,600   

Riverside                      $484,350       $620,200        $749,650       $931,600

Sacramento                  $552,000        $706,650        $854,200       $1,061,550 

San Benito                    $726,525       $930,300        $1,124,475    $1,397,400

San Bernardino            $484,350       $620,200        $749,650       $931,600

San Diego                     $690,000       $883,300        $1,067,750     $1,326,950

San Francisco              $726,525       $930,300        $1,124,475    $1,397,400

San Joaquin                  $484,350       $620,200        $749,650       $931,600

San Luis Obispo           $667,000       $853,900        $1,032,150    $1,282,700

San Mateo                      $726,525       $930,300        $1,124,475    $1,397,400

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

Santa Clara                     $726,525       $930,300        $1,124,475    $1,397,400

Santa Cruz                      $726,525       $930,300        $1,124,475    $1,397,400

Shasta                             $484,350       $620,200        $749,650       $931,600

Sierra                               $484,350       $620,200        $749,650       $931,600

Siskiyou                          $484,350       $620,200        $749,650       $931,600

Solano                            $494,500       $633,050        $765,200       $950,950

Sonoma                          $704,950       $902,450        $1,090,850    $1,355,700

Stanislaus                       $484,350       $620,200        $749,650       $931,600

Sutter                              $484,350       $620,200        $749,650       $931,600

Tehama                           $484,350       $620,200        $749,650       $931,600

Trinity                              $484,350       $620,200        $749,650       $931,600

Tulare                              $484,350       $620,200        $749,650       $931,600

Tuolomne                       $484,350       $620,200        $749,650       $931,600

Ventura                           $713,000       $912,750        $1,103,350    $1,371,150

Yolo                                $552,000        $706,650        $854,200       $1,061,550 

Yuba                               $484,350       $620,200        $749,650       $931,600

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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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