California’s 2024 Conforming County Loan Limits for FHA, VA, Conventional, and Jumbo loans. In 2024, the Federal Housing Finance Administration (FHFA) has set the baseline conforming loan limit (CCL) for 1 unit properties at $766,550 (a 5.5% increase from 2023) for Conventional financing (Fannie Mae & Freddie Mac), and up to $1,149,825 in California’s high-cost counties.

A Conforming loan is a home loan that meets or “conforms” to certain criteria or guidelines set forth by Government Sponsored Entities (GSE’s) Freddie Mac and Fannie Mae. The loan amount is one of the criteria needed to be classified as a ‘conforming’ loan.

The High Balance or ‘high-cost’ county loan limit is derived from median home prices in a particular county and has a ceiling of 150% of the baseline mortgage limit. Loan amounts between $766,550 and $1,149,825 are referred to as agency ‘High Balance’ or ‘Super Conforming’ loans because they exceed the baseline limit.

For more details, you can view a map of the 2024 county loan limits or download a PDF or Excel file.

The 2024 FHA County Loan Limits in California are determined differently than FHFA. The FHA (Federal Housing Administration) is required to set a single-family floor and ceiling loan limit range, which is based on 65% to 150% of the national conforming loan limit. The FHA’s 2023 current floor is $472,030 and the ceiling is $1,089,300. California FHA loan amounts in high-cost counties between $472,030 and $1,089,300 are referred to as FHA jumbo loans or FHA high balance loans.

In 2024, VA loans in California no longer have a county loan limit! In 2021, 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!

Who sets or determines the loan limits? Loan limits listed below are for 1 unit properties. Loan limits for 2-4 units are higher. Contact me for details on qualifying and loan limits for 2-4 unit property.”