2022 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 2022. The standard conventional loan limit has increased to $647,200 across most of the USA. This is also called the Conforming Loan Limit (647K). 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 $970,800 for 2022. These loans are also called Conforming Jumbo, Conforming High Balance, and Super Conforming Loans.
Go here for the 2022 California FHA Loan Limits
Go here for the 2022 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 $647,200 loan amounts require as little as 3% down payment.
>> Conventional Loans that are between $647,201 up to the max $970,800 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)
2022 California Conforming Loan Limits for all California Counties below:
County 1-family 2-family 3-family 4 family
Alameda $970,800 $1,243,050 $1,502,475 $1,867,275
Alpine $647,200 $828,700 $1,001,650 $1,244,850
Amador $647,200 $828,700 $1,001,650 $1,244,850
Butte $647,200 $828,700 $1,001,650 $1,244,850
Calaveras $647,200 $828,700 $1,001,650 $1,244,850
Colusa $647,200 $828,700 $1,001,650 $1,244,850
Contra Costa $970,800 $1,243,050 $1,502,475 $1,867,275
Del Norte $647,200 $828,700 $1,001,650 $1,244,850
El Dorado $675,050 $864,200 $1,044,600 $1,298,200
Fresno $647,200 $828,700 $1,001,650 $1,244,850
Glenn $647,200 $828,700 $1,001,650 $1,244,850
Humboldt $647,200 $828,700 $1,001,650 $1,244,850
Imperial $647,200 $828,700 $1,001,650 $1,244,850
Inyo $647,200 $828,700 $1,001,650 $1,244,850
Kern $647,200 $828,700 $1,001,650 $1,244,850
Kings $647,200 $828,700 $1,001,650 $1,244,850
Lake $647,200 $828,700 $1,001,650 $1,244,850
Lassen $647,200 $828,700 $1,001,650 $1,244,850
Los Angeles $970,800 $1,243,050 $1,502,475 $1,867,275
Madera $647,200 $828,700 $1,001,650 $1,244,850
Marin $970,800 $1,243,050 $1,502,475 $1,867,275
Mariposa $647,200 $828,700 $1,001,650 $1,244,850
Mendocino $647,200 $828,700 $1,001,650 $1,244,850
Merced $647,200 $828,700 $1,001,650 $1,244,850
Modoc $647,200 $828,700 $1,001,650 $1,244,850
Mono $647,200 $828,700 $1,001,650 $1,244,850
Monterey $854,450 $1,093,850 $1,322,200 $1,643,200
Napa $897,000 $1,148,350 $1,502,475 $1,867,275
Nevada $647,200 $828,700 $1,001,650 $1,244,850
Orange $970,800 $1,243,050 $1,502,475 $1,867,275
Placer $675,050 $864,200 $1,044,600 $1,298,200
Plumas $647,200 $828,700 $1,001,650 $1,244,850
Riverside $647,200 $828,700 $1,001,650 $1,244,850
Sacramento $675,050 $864,200 $1,044,600 $1,298,200
San Benito $970,800 $1,243,050 $1,502,475 $1,867,275
San Bernardino $647,200 $828,700 $1,001,650 $1,244,850
San Diego $879,750 $1,126,250 $1,361,350 $1,691,850
San Francisco $970,800 $1,243,050 $1,502,475 $1,867,275
San Joaquin $647,200 $828,700 $1,001,650 $1,244,850
San Luis Obispo $805,000 $1,030,550 $1,245,700 $1,548,100
San Mateo $970,800 $1,243,050 $1,502,475 $1,867,275
Santa Barbara $783,150 $1,002,600 $1,211,900 $1,506,100
Santa Clara $970,800 $1,243,050 $1,502,475 $1,867,275
Santa Cruz $970,800 $1,243,050 $1,502,475 $1,867,275
Shasta $647,200 $828,700 $1,001,650 $1,244,850
Sierra $647,200 $828,700 $1,001,650 $1,244,850
Siskiyou $647,200 $828,700 $1,001,650 $1,244,850
Solano $647,200 $828,700 $1,001,650 $1,244,850
Sonoma $764,750 $979,000 $1,183,400 $1,470,700
Stanislaus $647,200 $828,700 $1,001,650 $1,244,850
Sutter $647,200 $828,700 $1,001,650 $1,244,850
Tehama $647,200 $828,700 $1,001,650 $1,244,850
Trinity $647,200 $828,700 $1,001,650 $1,244,850
Tulare $647,200 $828,700 $1,001,650 $1,244,850
Tuolomne $647,200 $828,700 $1,001,650 $1,244,850
Ventura $851,000 $1,089,450 $1,316,900 $1,636,550
Yolo $675,050 $864,200 $1,044,600 $1,298,200
Yuba $647,200 $828,700 $1,001,650 $1,244,850
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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.