California Conforming Loan Limits
You will notice that most counties within California have a 2025 conforming loan limit of $806,500, for a single-family home. Higher-priced areas, like those in the San Francisco Bay Area, have conventional limits of up to$1,209,750 due to higher home values. Other counties fall somewhere in between these “floor” and “ceiling” amounts.
Conforming Loan limits:
1-Unit
$832,750
2-Unit
$1,066,250
3-Unit
$1,288,800
4-Unit
$1,601,750
Higher priced areas limits:
(for most counties)
1-Unit
$1,249,125
2-Unit
$1,599,375
3-Unit
$1,933,200
4-Unit
$2,402,625
FHA Loan Limits (low-cost areas)
1-Unit
$541,287
2-Unit
$693,050
3-Unit
$837,700
4-Unit
$1,041,125
FHA Loan Limits (high-cost areas)
1-Unit
$1,249,125
2-Unit
$1,599,375
3-Unit
$1,933,200
4-Unit
$2,402,625
FHA HECM (Home Equity Conversion Mortgage) - Reverse Mortgage
Loan Limit:
$1,249,125
VA – There are technically no limits to VA loans. There are only limits to how much the VA will guarantee. The VA will guarantee up to 25% of the loan amount for lenders in the event that you default on your loan. If you have full entitlement, you don’t have a home loan limit.
USDA direct loans - Borrowers are subject to area loan limits.
USDA guaranteed loans - Do not have a maximum loan limit, but the income and debt ratio caps will limit how much you can qualify for. Currently for Los Angeles County the loan limit is: $967,800
