2025 California Fannie Mae and Freddie Mac Loan Limits for FNMA and FHLMC Conforming Conventional Loans (official FHFA 2025 Conforming Loan Limits)
FHFA has announced the official 2025 Conforming Loan Limits for Fannie Mae and Freddie Mac Conforming Loans. The standard conventional loan limit has increased to $766,550 across most of the USA. This is also called the Conforming Loan Limit (766K). 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 $1,209,750 for 2025. These loans are also called Conforming Jumbo, Conforming High Balance, and Super Conforming Loans.
Go here for the 2025 California FHA Loan Limits
Go here for the 2025 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 $806,500 loan amounts require as little as 3% down payment for First Time Home Buyers.
>> Conventional Loans that are between $806,501 up to the max $1,209,750 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.
2025 California Conforming Loan Limits for all California Counties below:
County 1-family 2-family 3-family 4 family
Alameda $1,209,750 $1,548,975 $1,872,225 $2,326,875
Alpine $806,500 $1,032,650 $1,248,150 $1,551,250
Amador $806,500 $1,032,650 $1,248,150 $1,551,250
Butte $806,500 $1,032,650 $1,248,150 $1,551,250
Calaveras $806,500 $1,032,650 $1,248,150 $1,551,250
Colusa $806,500 $1,032,650 $1,248,150 $1,551,250
Contra Costa $1,209,750 $1,548,975 $1,872,225 $2,326,875
Del Norte $806,500 $1,032,650 $1,248,150 $1,551,2500
El Dorado $806,500 $1,032,650 $1,248,150 $1,551,250
Fresno $806,500 $1,032,650 $1,248,150 $1,551,250
Glenn $806,500 $1,032,650 $1,248,150 $1,551,250
Humboldt $806,500 $1,032,650 $1,248,150 $1,551,250
Imperial $806,500 $1,032,650 $1,248,150 $1,551,250
Inyo $806,500 $1,032,650 $1,248,150 $1,551,250
Kern $806,500 $1,032,650 $1,248,150 $1,551,250
Kings $806,500 $1,032,650 $1,248,150 $1,551,250
Lake $806,500 $1,032,650 $1,248,150 $1,551,250
Lassen $806,500 $1,032,650 $1,248,150 $1,551,250
Los Angeles $1,209,750 $1,548,975 $1,872,225 $2,326,875
Madera $806,500 $1,032,650 $1,248,150 $1,551,250
Marin $1,209,750 $1,548,975 $1,872,225 $2,326,875
Mariposa $806,500 $1,032,650 $1,248,150 $1,551,250
Mendocino $806,500 $1,032,650 $1,248,150 $1,551,250
Merced $806,500 $1,032,650 $1,248,150 $1,551,250
Modoc $806,500 $1,032,650 $1,248,150 $1,551,250
Mono $806,500 $1,032,650 $1,248,150 $1,551,250
Monterey $970,600 $1,242,550 $1,501,950 $1,866,600
Napa $1,017,750 $1,302,900 $1,574,900 $1,957,250
Nevada $806,500 $1,032,650 $1,248,150 $1,551,250
Orange $1,209,750 $1,548,975 $1,872,225 $2,326,875
Placer $806,500 $1,032,650 $1,248,150 $1,551,250
Plumas $806,500 $1,032,650 $1,248,150 $1,551,250
Riverside $806,500 $1,032,650 $1,248,150 $1,551,250
Sacramento $806,500 $1,032,650 $1,248,150 $1,551,250
San Benito $1,209,750 $1,548,975 $1,872,225 $2,326,875
San Bernardino $806,500 $1,032,650 $1,248,150 $1,551,250
San Diego $1,077,550 $1,1379,450 $1,667,450 $2,072,250
San Francisco $1,209,750 $1,548,975 $1,872,225 $2,326,875
San Joaquin $806,500 $1,032,650 $1,248,150 $1,551,250
San Luis Obispo $967,150 $1,238,150 $1,496,600 $1,859,950
San Mateo $1,209,750 $1,548,975 $1,872,225 $2,326,875
Santa Barbara $913,100 $1,168,950 $1,413,000 $1,756,000
Santa Clara $1,209,750 $1,548,975 $1,872,225 $2,326,875
Santa Cruz $1,178,750 $1,509,050 $1,824,050 $2,266,900
Shasta $806,500 $1,032,650 $1,248,150 $1,551,250
Sierra $806,500 $1,032,650 $1,248,150 $1,551,250
Siskiyou $806,500 $1,032,650 $1,248,150 $1,551,250
Solano $806,500 $1,032,650 $1,248,150 $1,551,250
Sonoma $897,000 $1,148,350 $1,388,050 $1,725,050
Stanislaus $806,500 $1,032,650 $1,248,150 $1,551,250
Sutter $806,500 $1,032,650 $1,248,150 $1,551,250
Tehama $806,500 $1,032,650 $1,248,150 $1,551,250
Trinity $806,500 $1,032,650 $1,248,150 $1,551,250
Tulare $806,500 $1,032,650 $1,248,150 $1,551,250
Tuolumne $806,500 $1,032,650 $1,248,150 $1,551,250
Ventura $1,017,750 $1,302,900 $1,574,900 $1,957,250
Yolo $806,500 $1,032,650 $1,248,150 $1,551,250
Yuba $806,500 $1,032,650 $1,248,150 $1,551,250
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, Palm Springs, Hemet, Murrieta, Corona, Rancho Cucamonga, Chino Hills, Eastvale, Norco, Pasadena, Jurupa Valley, Redlands, Fontana, Ontario, Victorville, Apple Valley, Moreno Valley, Beaumont, Chino, Diamond Bar, Norwalk, Buena Park, Garden Grove, Wedminster, Santa Ana,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, Whittier, Santa Fe Springs, Downey, Irvine, Newport Beach, Los Angeles, San Bernardino, Riverside and Orange County.
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