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CALIFORNIA COUNTY LOAN LIMITS 2021
2021 California County Loan Limits (Conforming) for FHA, VA, Conventional and Jumbo loans
For 2021, the FHFA (Federal Housing Finance Administration) set the baseline conforming loan limit for 1 unit properties at $548,250 for Conventional financing (Fannie Mae & Freddie Mac) and up to $822,375 on high cost counties California. What is a Conforming loan? A conforming loan is a type of conventional loan that meets Fannie Mae and Freddie Mac’s purchase standards as well as a specific loan amount. … A non-conforming loan doesn’t meet Fannie and Freddie’s purchase standards. Government-backed loans and high-value jumbo loans are two examples of non-conforming loans. What is a High Balance or ‘high-cost’ county loan limit? A High-Balance Mortgage Loan is defined as a conventional mortgage where the original loan amount exceeds the conforming loan limits published yearly by the Federal Housing Finance Agency (FHFA) but does not exceed the loan limit for the high-cost area in which the mortgaged property is located, as specified by the FHFA. The conforming loan limit is $484,350 and the high-cost area limit is $726,525 for a 1-unit dwelling in the continental U.S.
FHA County Loan Limits in California 2021
FHA’s lowest county loan limits is $356,362 and the ceiling is $822,375 in high priced markets in California.
| Number of Units | Standard 2021 FHA Loan-Limit | High-Cost Area 2021 FHA Loan-Limit |
| Single Family | $356,362 | $822,375 |
FHA Jumbo loan limit – California FHA loan amounts in high-cost counties between $548,250 and $822,375 are referred to FHA jumbo loans or FHA high balance loans.
VA County Loan Limits in California 2021
As of 2021, the VA doesn’t have a County Loan limit but different lenders will impose a limit based on their loan size appetite. In VA Circular 26-19-30, the VA announced that President Trump signed the Blue Water Navy Vietnam Veterans Act that removes all county loan limits for Veterans
Loan limits listed below are for 1 unit properties. Loan limits for 2-4 units are higher. If you have any questions regarding loan limits in your county, please don’t hesitate to reach out to us directly!
| State | County Name | 5-Digit State Code | 2-Digit State Code | 3-Digit County Code | Metropolitan Designation | 2021 Loan Limit 1 Unit | 2021 Loan Limit 2 Unit | 2021 Loan Limit 3 Unit | 2021 Loan Limit 4 Unit |
| CALIFORNIA | ALAMEDA COUNTY | 06001 | 06 | 001 | SAN FRANCISCO-OAKLAND-BERKELEY, CA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| CALIFORNIA | ALPINE COUNTY | 06003 | 06 | 003 | NON-METRO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | AMADOR COUNTY | 06005 | 06 | 005 | NON-METRO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | BUTTE COUNTY | 06007 | 06 | 007 | CHICO, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | CALAVERAS COUNTY | 06009 | 06 | 009 | NON-METRO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | COLUSA COUNTY | 06011 | 06 | 011 | NON-METRO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | CONTRA COSTA COUNTY | 06013 | 06 | 013 | SAN FRANCISCO-OAKLAND-BERKELEY, CA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| CALIFORNIA | DEL NORTE COUNTY | 06015 | 06 | 015 | CRESCENT CITY, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | EL DORADO COUNTY | 06017 | 06 | 017 | SACRAMENTO-ROSEVILLE-FOLSOM, CA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| CALIFORNIA | FRESNO COUNTY | 06019 | 06 | 019 | FRESNO, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | GLENN COUNTY | 06021 | 06 | 021 | NON-METRO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | HUMBOLDT COUNTY | 06023 | 06 | 023 | EUREKA-ARCATA, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | IMPERIAL COUNTY | 06025 | 06 | 025 | EL CENTRO, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | INYO COUNTY | 06027 | 06 | 027 | NON-METRO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | KERN COUNTY | 06029 | 06 | 029 | BAKERSFIELD, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | KINGS COUNTY | 06031 | 06 | 031 | HANFORD-CORCORAN, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | LAKE COUNTY | 06033 | 06 | 033 | CLEARLAKE, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | LASSEN COUNTY | 06035 | 06 | 035 | SUSANVILLE, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | LOS ANGELES COUNTY | 06037 | 06 | 037 | LOS ANGELES-LONG BEACH-ANAHEIM, CA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| CALIFORNIA | MADERA COUNTY | 06039 | 06 | 039 | MADERA, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | MARIN COUNTY | 06041 | 06 | 041 | SAN FRANCISCO-OAKLAND-BERKELEY, CA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| CALIFORNIA | MARIPOSA COUNTY | 06043 | 06 | 043 | NON-METRO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | MENDOCINO COUNTY | 06045 | 06 | 045 | UKIAH, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | MERCED COUNTY | 06047 | 06 | 047 | MERCED, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | MODOC COUNTY | 06049 | 06 | 049 | NON-METRO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | MONO COUNTY | 06051 | 06 | 051 | NON-METRO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | MONTEREY COUNTY | 06053 | 06 | 053 | SALINAS, CA | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| CALIFORNIA | NAPA COUNTY | 06055 | 06 | 055 | NAPA, CA | $816,500 | $1,045,250 | $1,263,500 | $1,570,200 |
| CALIFORNIA | NEVADA COUNTY | 06057 | 06 | 057 | TRUCKEE-GRASS VALLEY, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | ORANGE COUNTY | 06059 | 06 | 059 | LOS ANGELES-LONG BEACH-ANAHEIM, CA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| CALIFORNIA | PLACER COUNTY | 06061 | 06 | 061 | SACRAMENTO-ROSEVILLE-FOLSOM, CA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| CALIFORNIA | PLUMAS COUNTY | 06063 | 06 | 063 | NON-METRO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | RIVERSIDE COUNTY | 06065 | 06 | 065 | RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | SACRAMENTO COUNTY | 06067 | 06 | 067 | SACRAMENTO-ROSEVILLE-FOLSOM, CA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| CALIFORNIA | SAN BENITO COUNTY | 06069 | 06 | 069 | SAN JOSE-SUNNYVALE-SANTA CLARA, CA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| CALIFORNIA | SAN BERNARDINO COUNTY | 06071 | 06 | 071 | RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | SAN DIEGO COUNTY | 06073 | 06 | 073 | SAN DIEGO-CHULA VISTA-CARLSBAD, CA | $753,250 | $964,300 | $1,165,600 | $1,448,600 |
| CALIFORNIA | SAN FRANCISCO COUNTY | 06075 | 06 | 075 | SAN FRANCISCO-OAKLAND-BERKELEY, CA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| CALIFORNIA | SAN JOAQUIN COUNTY | 06077 | 06 | 077 | STOCKTON, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | SAN LUIS OBISPO COUNTY | 06079 | 06 | 079 | SAN LUIS OBISPO-PASO ROBLES, CA | $701,500 | $898,050 | $1,085,550 | $1,349,050 |
| CALIFORNIA | SAN MATEO COUNTY | 06081 | 06 | 081 | SAN FRANCISCO-OAKLAND-BERKELEY, CA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| CALIFORNIA | SANTA BARBARA COUNTY | 06083 | 06 | 083 | SANTA MARIA-SANTA BARBARA, CA | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| CALIFORNIA | SANTA CLARA COUNTY | 06085 | 06 | 085 | SAN JOSE-SUNNYVALE-SANTA CLARA, CA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| CALIFORNIA | SANTA CRUZ COUNTY | 06087 | 06 | 087 | SANTA CRUZ-WATSONVILLE, CA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| CALIFORNIA | SHASTA COUNTY | 06089 | 06 | 089 | REDDING, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | SIERRA COUNTY | 06091 | 06 | 091 | NON-METRO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | SISKIYOU COUNTY | 06093 | 06 | 093 | NON-METRO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | SOLANO COUNTY | 06095 | 06 | 095 | VALLEJO, CA | $550,850 | $705,200 | $852,400 | $1,059,350 |
| CALIFORNIA | SONOMA COUNTY | 06097 | 06 | 097 | SANTA ROSA-PETALUMA, CA | $707,250 | $905,400 | $1,094,450 | $1,360,100 |
| CALIFORNIA | STANISLAUS COUNTY | 06099 | 06 | 099 | MODESTO, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | SUTTER COUNTY | 06101 | 06 | 101 | YUBA CITY, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | TEHAMA COUNTY | 06103 | 06 | 103 | RED BLUFF, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | TRINITY COUNTY | 06105 | 06 | 105 | NON-METRO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | TULARE COUNTY | 06107 | 06 | 107 | VISALIA, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | TUOLUMNE COUNTY | 06109 | 06 | 109 | SONORA, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALIFORNIA | VENTURA COUNTY | 06111 | 06 | 111 | OXNARD-THOUSAND OAKS-VENTURA, CA | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| CALIFORNIA | YOLO COUNTY | 06113 | 06 | 113 | SACRAMENTO-ROSEVILLE-FOLSOM, CA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| CALIFORNIA | YUBA COUNTY | 06115 | 06 | 115 | YUBA CITY, CA | $548,250 | $702,000 | $848,500 | $1,054,500 |
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