Bay Area Conforming Loan Limits 2025

In the table below, you will find the 2025 conforming loan limits for Bay Area counties of Alameda, Contra Costa, Marin, Napa, San Mateo, Santa Clara, Solano, Sonoma, and San Francisco.

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Loan amounts of $806,500 or lower are considered “low-balance” conforming loans in 2025. First-time home buyers (those who haven’t owned a home in the last three years) can put as little as 3% down if their loan amount is under $806,500. By keeping your loan amount under $806,500, you will secure the best possible mortgage rates.

High-cost counties in the Bay Area (with the exception of Solano County) allow for higher loan limits called high-balance conforming loan limits. In these high-cost counties, you can put as little as 5% down when your loan amount is over $806,500 but under the high-balance conforming loan limit for that specific high-cost county. You can find the high-balance conforming loan limits for the Bay Area’s high-cost counties in the table below.

Loan amounts over the high-balance conforming loan limits below are considered jumbo loans. Jumbo loans at many lenders require at least 20% down, lower debt-to-income ratios and reserve funds. However, we have lenders how offer jumbo loans to borrower with debt-to-income ratios up to 50% and no additional reserve funds.

We are the #1 rated mortgage broker in Ventura County and work with borrowers across the state of California. We offer fantastic rates on both conforming and jumbo loans in the Bay Area and we can close purchase loans in as little as 10 days and refinances in 15 days.

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(Rates subject to change without notice)