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6
Jan

2021 Loan Limits

2021 Conforming Loan Limits In California

Fannie Mae and Freddie Mac conforming loan limits in California for 2021 have been increased.

The baseline Conforming loan limit is now $548,250 for most counties in California and in some high-cost counties, it’s as high as $822,375. See below for your specific county limit.

The Federal Housing Finance Agency announced they are raising the Conforming loan limits which is good news for homeowners and homebuyers in California. This allows some mortgage limits that were previously labeled “jumbo” to now be placed in the conforming loan limit category.

California Conforming Loan Limits, 2021:

Here are the 2021 Conforming limits for all 58 counties in California. “One-Unit” refers to a property with one structure (ie a Single Family Residence – SFR), “Two-Unit” is a Duplex, etc. Home values have increased over the last few years and raising the loan limits allows more people to qualify for the best available mortgage rates. The Federal Housing Finance Agency (FHFA) updates their conforming loan limits every year.

County

State

One-Unit

Two-Unit

Three-Unit

Four-Unit

ALAMEDA CA  $822,375  $1,053,000  $1,272,750  $1,581,750
ALPINE CA  $548,250  $702,000  $848,500  $1,054,500
AMADOR CA  $548,250  $702,000  $848,500  $1,054,500
BUTTE CA  $548,250  $702,000  $848,500  $1,054,500
CALAVERAS CA  $548,250  $702,000  $848,500  $1,054,500
COLUSA CA  $548,250  $702,000  $848,500  $1,054,500
CONTRA COSTA CA  $822,375  $1,053,000  $1,272,750  $1,581,750
DEL NORTE CA  $548,250  $702,000  $848,500  $1,054,500
EL DORADO CA  $598,000  $765,550  $925,350  $1,150,000
FRESNO CA  $548,250  $702,000  $848,500  $1,054,500
GLENN CA  $548,250  $702,000  $848,500  $1,054,500
HUMBOLDT CA  $548,250  $702,000  $848,500  $1,054,500
IMPERIAL CA  $548,250  $702,000  $848,500  $1,054,500
INYO CA  $548,250  $702,000  $848,500  $1,054,500
KERN CA  $548,250  $702,000  $848,500  $1,054,500
KINGS CA  $548,250  $702,000  $848,500  $1,054,500
LAKE CA  $548,250  $702,000  $848,500  $1,054,500
LASSEN CA  $548,250  $702,000  $848,500  $1,054,500
LOS ANGELES CA  $822,375  $1,053,000  $1,272,750  $1,581,750
MADERA CA  $548,250  $702,000  $848,500  $1,054,500
MARIN CA  $822,375  $1,053,000  $1,272,750  $1,581,750
MARIPOSA CA  $548,250  $702,000  $848,500  $1,054,500
MENDOCINO CA  $548,250  $702,000  $1,272,750  $1054,500
MERCED CA  $548,250  $702,000  $848,500  $1,054,500
MODOC CA  $548,250  $702,000  $848,500  $1,054,500
MONO CA  $548,250  $702,000  $848,500  $1,054,500
MONTEREY CA  $739,450  $946,650  $1,144,250  $1,422,050
NAPA CA  $816,500  $1,045,250  $1,263,500  $1,570,200
NEVADA CA  $548,250  $702,000  $848,500  $1,054,500
ORANGE CA  $822,375  $1,053,000  $1,272,750  $1,581,750
PLACER CA  $598,000  $765,550  $925,350  $1,150,000
PLUMAS CA  $548,250  $702,000  $848,500  $1,054,500
RIVERSIDE CA  $548,250  $702,000  $848,500  $1,054,500
SACRAMENTO CA  $598,000  $765,550  $925,350  $1,150,000
SAN BENITO CA  $822,375  $1,053,000  $1,272,750  $1,581,750
SAN BERNARDINO CA  $548,250  $702,000  $848,500  $1,054,500
SAN DIEGO CA  $753,250  $964,300  $1,165,600  $1,448,600
SAN FRANCISCO CA  $822,375  $1,053,000  $1,272,750  $1,581,750
SAN JOAQUIN CA  $548,250  $702,000  $848,500  $1,054,500
SAN LUIS OBISPO CA  $701,500  $898,050  $1,085,550  $1,349,050
SAN MATEO CA  $822,375  $1,053,000  $1,272,750  $1,581,750
SANTA BARBARA CA  $660,100  $848,050  $1,021,450  $1,269,450
SANTA CLARA CA  $822,375  $1,053,000  $1,272,750  $1,581,750
SANTA CRUZ CA  $822,375  $1,053,000  $1,272,750  $1,581,750
SHASTA CA  $548,250  $702,000  $848,500  $1,054,500
SIERRA CA  $548,250  $702,000  $ 848,500  $1,054,500
SISKIYOU CA  $548,250  $702,000  $848,500  $1,054,500
SOLANO CA  $550,850  $705,200  $852,400  $1,059,350
SONOMA CA  $707,250  $905,400  $1,094,450  $1,360,100
STANISLAUS CA  $548,250  $702,000  $848,500  $1,054,500
SUTTER CA  $548,250  $702,000  $848,500  $1,054,500
TEHAMA CA  $548,250  $702,000  $848,500  $1,054,500
TRINITY CA  $548,250  $702,000  $848,500  $1,054,500
TULARE CA  $548,250  $702,000  $848,500  $1,054,500
TUOLUMNE CA  $548,250  $702,000  $848,500  $1,054,500
VENTURA CA  $739,450  $946,650  $1,144,250  $1,422,050
YOLO CA  $598,000  $765,550  $925,350  $1,150,000
YUBA CA  $548,250  $702,000  $925,350  $1,150,500

Rising Prices Bring Higher Limits in 2021:

At the end of 2020, federal housing officials increased the conforming loan limits for California; and in a November 24th, 2020 press release, the Federal Housing Finance Agency stated:

“Washington, D.C. – The Federal Housing Finance Agency (FHFA) today announced the maximum conforming loan limits for mortgages to be acquired by Fannie Mae and Freddie Mac in 2021.  In most of the U.S., the 2021 maximum conforming loan limit (CLL) for one-unit properties will be $548,250, an increase from $510,400 in 2020″

Jonathan Caguioa

NMLS# 250609 / DRE# 01137630 Mobile: 949-241-2527

ALLIANZ MORTGAGE NMLS# 346138 / DRE# 01403147

15820 Whittier Blvd, Suite G
Whittier, CA 90603

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