Below are the conforming loan limits for all counties in California for 2026.
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Loan amounts of $832,750 or lower are considered “low-balance” conforming loans in 2026. 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 $832,750. By keeping your loan amount under $832,750, you will secure the best possible mortgage rates.
High-cost counties in California (such as Alameda, Contra Costa, Los Angeles, Orange Counties, among others) 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 $832,750, but under the high-balance conforming loan limit for that specific high-cost county. You can find the high-balance conforming loan limits for California’s high-cost counties in the table below.
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Loan amounts over the 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 who offer jumbo loans to borrowers with debt-to-income ratios up to 50% and no additional reserve funds.
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| County Name | 1 Unit (low-balance) | 1 Unit (high-balance) | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|---|
| Alameda | $832,750 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Alpine | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Amador | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Butte | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Calaveras | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Colusa | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Contra Costa | $832,750 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Del Norte | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| El Dorado | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Fresno | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Glenn | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Humboldt | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Imperial | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Inyo | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Kern | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Kings | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Lassen | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Los Angeles | $832,750 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Madera | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Marin | $832,750 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Mendocino | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Merced | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Modoc | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Mono | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Monterey | $832,750 | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 |
| Napa | $832,750 | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| Nevada | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Orange | $832,750 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Placer | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Plumas | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Riverside | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Sacramento | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| San Benito | $832,750 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| San Bernardino | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| San Diego | $832,750 | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 |
| San Francisco | $832,750 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| San Joaquin | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| San Luis Obispo | $832,750 | $1,000,500 | $1,280,850 | $1,548,250 | $1,924,100 |
| San Mateo | $832,750 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Santa Barbara | $832,750 | $941,850 | $1,205,750 | $1,457,450 | $1,811,300 |
| Santa Clara | $832,750 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Santa Cruz | $832,750 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Shasta | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Sierra | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Siskiyou | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Solano | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Sonoma | $832,750 | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 |
| Stanislaus | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Sutter | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Tehama | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Trinity | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Tulare | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Tuolumne | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Ventura | $832,750 | $1,035,000 | $1,325,000 | $1,601,600 | $1,990,450 |
| Yolo | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
| Yuba | $832,750 | N/A | $1,066,250 | $1,288,800 | $1,601,750 |
Today’s Mortgage Rates from the #1 Rated California Mortgage Broker
| Date Updated | Time |
|---|---|
| Feb 12, 2026 | 2:48 PM |
| Loan Type | Loan Purpose | Loan Term | Interest Rate | APR | Points |
|---|---|---|---|---|---|
| Conforming | Purchase | 30 year fixed | 5.500% | 5.601% | 0.796 |
| Conforming | Purchase | 30 year fixed | 5.875% | 5.911% | 0.075 |
| Conforming | Purchase | 20 year fixed | 5.250% | 5.394% | 0.876 |
| Conforming | Purchase | 15 year fixed | 4.750% | 4.939% | 0.931 |
| FHA | Purchase | 30 year fixed | 5.250% | 5.987% | 0.000 |
| VA | Purchase | 30 year fixed | 5.250% | 5.474% | 0.000 |
Conforming
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.500% | 5.601% | 0.796 |
| 5.875% | 5.911% | 0.075 |
20 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.250% | 5.394% | 0.876 |
15 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 4.750% | 4.939% | 0.931 |
FHA
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.250% | 5.474% | 0.000 |
VA
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.250% | 5.987% | 0.000 |
