2023 California Fannie Mae and Freddie Mac Loan Limits for FNMA and FHLMC Conforming Conventional Loans (official FHFA 2023 Conforming Loan Limits)
FHFA has announced the official 2023 Conforming Loan Limits for Fannie Mae and Freddie Mac Conforming Loans. The standard conventional loan limit has increased to $726,200 across most of the USA. This is also called the Conforming Loan Limit (726K). 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 $1,089,300 for 2022. These loans are also called Conforming Jumbo, Conforming High Balance, and Super Conforming Loans.
Go here for the 2023 California FHA Loan Limits
Go here for the 2023 California VA Loan Limits **technically there is no longer a VA Loan limit - read the article
There are different down payment requirements for Conforming Conventional loans.
>> Conventional Loans up to $726,200 loan amounts require as little as 3% down payment.
>> Conventional Loans that are between $726,201 up to the max $1,089,300 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)
I have specialized in Home Purchase Loans since 2002. It is my honor to assist families and individuals achieve the dream of homeownership ~ Brian Skaar, Branch Manager, VanDyk Mortgage.
2023 California Conforming Loan Limits for all California Counties below:
County 1-family 2-family 3-family 4 family
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 $1,396,8000
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 $977,250 $1,251,400 $1,612,650 $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
Call us today to get started on your new home purchase - 866-900-2342 toll free, talk or text Brian direct at 760-752-4480 or get started online here: Get Pre-Approved Now.
We serve the following areas for Conventional loans, FHA loans and VA 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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