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
$806,500
2-Unit
$1,032,650
3-Unit
$1,248,150
4-Unit
$1,551,250
Higher priced areas limits:
(for most counties)
1-Unit
$1,209,750
2-Unit
$1,548,975
3-Unit
$1,872,225
4-Unit
$2,326,875
FHA Loan Limits (low-cost areas)
1-Unit
$525,225
2-Unit
$671,200
3-Unit
$811,275
4-Unit
$1,008,300
FHA Loan Limits (high-cost areas)
1-Unit
$1,209,750
2-Unit
$1,548,975
3-Unit
$1,872,225
4-Unit
$2,326,875
FHA HECM (Home Equity Conversion Mortgage) - Reverse Mortgage
Loan Limit:
$1,209,750
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
