Below are the conforming loan limits for all counties in California for 2025.

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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 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 $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 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 $806,500 $1,209,750 $1,548,975 $1,872,225 $2,326,875
Alpine $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Amador $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Butte $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Calaveras $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Colusa $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Contra Costa $806,500 $1,209,750 $1,548,975 $1,872,225 $2,326,875
Del Norte $806,500 N/A $1,032,650 $1,248,150 $1,551,250
El Dorado $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Fresno $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Glenn $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Humboldt $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Imperial $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Inyo $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Kern $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Kings $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Lake $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Lassen $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Los Angeles $806,500 $1,209,750 $1,548,975 $1,872,225 $2,326,875
Madera $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Marin $806,500 $1,209,750 $1,548,975 $1,872,225 $2,326,875
Mendocino $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Merced $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Modoc $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Mono $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Monterey $806,500 $970,600 $1,242,550 $1,501,950 $1,866,600
Napa $806,500 $1,017,750 $1,302,900 $1,574,900 $1,957,250
Nevada $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Orange $806,500 $1,209,750 $1,548,975 $1,872,225 $2,326,875
Placer $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Plumas $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Riverside $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Sacramento $806,500 N/A $1,032,650 $1,248,150 $1,551,250
San Benito $806,500 $1,209,750 $1,548,975 $1,872,225 $2,326,875
San Bernardino $806,500 N/A $1,032,650 $1,248,150 $1,551,250
San Diego $806,500 $1,077,550 $1,379,450 $1,667,450 $2,072,250
San Francisco $806,500 $1,209,750 $1,548,975 $1,872,225 $2,326,875
San Joaquin $806,500 N/A $1,032,650 $1,248,150 $1,551,250
San Luis Obispo $806,500 $967,150 $1,238,150 $1,496,600 $1,859,950
San Mateo $806,500 $1,209,750 $1,548,975 $1,872,225 $2,326,875
Santa Barbara $806,500 $913,100 $1,168,950 $1,413,000 $1,756,000
Santa Clara $806,500 $1,209,750 $1,548,975 $1,872,225 $2,326,875
Santa Cruz $806,500 $1,178,750 $1,509,050 $1,824,050 $2,266,900
Shasta $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Sierra $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Siskiyou $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Solano $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Sonoma $806,500 $897,000 $1,148,350 $1,388,050 $1,725,050
Stanislaus $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Sutter $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Tehama $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Trinity $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Tulare $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Tuolumne $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Ventura $806,500 $1,017,750 $1,302,900 $1,574,900 $1,957,250
Yolo $806,500 N/A $1,032,650 $1,248,150 $1,551,250
Yuba $806,500 N/A $1,032,650 $1,248,150 $1,551,250

Today’s Mortgage Rates from the #1 Rated California Mortgage Broker

Date UpdatedTime
Jun 11, 20251:58 PM
(Rates subject to change without notice)
Loan TypeLoan PurposeLoan TermInterest RateAPRPoints
ConformingPurchase30 year fixed6.125%6.303%1.561
ConformingPurchase30 year fixed6.500%6.548%0.191
ConformingPurchase20 year fixed6.000%6.082%0.346
ConformingPurchase15 year fixed5.500%5.617%0.446
FHAPurchase30 year fixed5.875%6.619%0.000
VAPurchase30 year fixed5.875%6.107%0.000
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Conforming

30 Year Fixed

InterestAPRPoints
6.125%6.303%1.561
6.500%6.548%0.191

20 Year Fixed

InterestAPRPoints
6.000%6.082%0.346

15 Year Fixed

InterestAPRPoints
5.500%5.617%0.446

FHA

30 Year Fixed

InterestAPRPoints
5.875%6.107%0.000

VA

30 Year Fixed

InterestAPRPoints
5.875%6.619%0.000
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