2022 CONFORMING LOAN LIMITS FOR CALIFORNIA (CA)

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2022 Conforming Loan Limits California is $647,200 and goes up to $970,800 for high-cost counties for one-unit properties.

2022 Conforming Loan Limits California for 2-unit properties is $828,700 and goes up to $1,243,050 for high-cost counties.

What is Conforming Loan Limit?

Conforming loans are loans that follow guidelines from Government Agencies – Fannie Mae and Freddie Mac. Federal Housing Finance Agency (FHFA) which oversees both Fannie and Freddie, releases the annual loan limits for every county in the country. These are the maximum loan amounts that Fannie and Freddie will allow for those counties. The loan limits are derived from the average home prices in that county the year before (2021, in this case).

2022 Conforming Loan Limits for California (CA) was announced at the end of 2021. These loans allow downpayments as low as 3%-5% to offer flexible underwriting guidelines for qualifications, sometimes allowing for debt to income ratios as high as 50%.

You can use 2022 Conforming Loan Limits to buy Primary Residence, Second (vacation) home, or investment (rental) property.

Single-family homes, condos, and townhomes are considered 1-unit properties.

2022 Conforming Loan Limits for Alameda County

  • 1 Unit – $970,800
  • 2 Unit – $1,243,050
  • 3 Unit – $1,502,475
  • 4 Unit – $1,867,275

2022 Conforming Loan Limits for Alpine County

  • 1  Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Amador County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Butte County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Calaveras County

  • 1 Unit  – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Colusa County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits California for Contra Costa County

  • 1 Unit – $970,800
  • 2 Unit – $1,243,050
  • 3 Unit – $1,502,475
  • 4 Unit – $1,867,275

2022 Conforming Loan Limits for Del Norte County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for El Dorado County

  • 1 Unit  – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Fresno County

  • 1  Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Glenn County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Humboldt County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Imperial County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Inyo County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Kern County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Kings County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Lake County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Lassen County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Los Angeles County

  • Unit – $970,800
  • Unit – $1,243,050
  • Unit – $1,502,475
  • Unit – $1,867,275

2022 Conforming Loan Limits for Madera County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits California for Marin County

  • Unit – $970,800
  • Unit – $1,243,050
  • Unit – $1,502,475
  • Unit – $1,867,275

2022 Conforming Loan Limits for Mariposa County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Mendocino County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Merced County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Modoc County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2021 Conforming Loan Limits for Mono County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2021 Conforming Loan Limits for Monterey County

  • 1 Unit – $854,450
  • 2 Unit – $1,093,850
  • 3 Unit – $1,322,200
  • 4 Unit – $1,643,200

2022 Conforming Loan Limits for Napa County

  • 1 Unit – $897,000
  • 2 Unit – $1,148,350
  • 3 Unit – $1,388,050
  • 4 Unit – $1,725,050

2022 Conforming Loan Limits for Nevada County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

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2021 Conforming Loan Limits for Orange County

  • Unit – $970,800
  • Unit – $1,243,050
  • Unit – $1,502,475
  • Unit – $1,867,275

2022 Conforming Loan Limits for Placer County

  • 1 Unit – $675,050
  • 2 Unit – $864,200
  • 3 Unit – $1,044,600
  • 4 Unit – $1,298,200

2022 Conforming Loan Limits for Plumas County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Riverside County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Sacramento County

  • 1 Unit – $675,050
  • 2 Unit – $864,200
  • 3 Unit – $1,044,600
  • 4 Unit – $1,298,200

2022 Conforming Loan Limits for San Benito County

  • Unit – $970,800
  • Unit – $1,243,050
  • Unit – $1,502,475
  • Unit – $1,867,275

2022 Conforming Loan Limits for San Bernardino County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for San Diego County

  • 1 Unit – $879,750
  • 2 Unit – $1,126,250
  • 3 Unit – $1,361,350
  • 4 Unit – $1,691,850

2022 Conforming Loan Limits for San Francisco County

  • Unit – $970,800
  • Unit – $1,243,050
  • Unit – $1,502,475
  • Unit – $1,867,275

2022 Conforming Loan Limits for San Joaquin County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for San Luis Obispo County

  • 1 Unit – $805,000
  • 2 Unit – $1,030,550
  • 3 Unit – $1,245,700
  • 4 Unit – $1,548,100

2022 Conforming Loan Limits for San Mateo County

  • 1 Unit – $970,800
  • 2 Unit – $1,243,050
  • 3 Unit – $1,502,475
  • 4 Unit – $1,867,275

2022 Conforming Loan Limits for Santa Barbara County

  • 1 Unit – $783,150
  • 2 Unit – $1,002,600
  • 3 Unit – $1,211,900
  • 4 Unit – $1,506,100

2022 Conforming Loan Limits for Santa Clara County

  • Unit – $970,800
  • Unit – $1,243,050
  • Unit – $1,502,475
  • Unit – $1,867,275

2022 Conforming Loan Limits for Santa Cruz County

  • Unit – $970,800
  • Unit – $1,243,050
  • Unit – $1,502,475
  • Unit – $1,867,275

2022 Conforming Loan Limits for Shasta County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Sierra County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Siskiyou County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Solano County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Sonoma County

  • 1 Unit – $764,750
  • 2 Unit – $979,000
  • 3 Unit – $1,183,400
  • 4 Unit – $1,470,700

2022 Conforming Loan Limits for Stanislaus County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Sutter County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Tehama County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Trinity County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Tulare County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Tuolumne County

  • 1  Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850

2022 Conforming Loan Limits for Ventura County

  • 1 Unit – $851,000
  • 2 Unit – $1,089,450
  • 3 Unit – $1,316,900
  • 4 Unit – $1,636,550

2022 Conforming Loan Limits for Yolo County

  • 1 Unit – $675,050
  • 2 Unit – $864,200
  • 3 Unit – $1,044,600
  • 4 Unit – $1,298,200

2022 Conforming Loan Limits for Yuba County

  • 1 Unit – $647,200
  • 2 Unit – $828,700
  • 3 Unit – $1,001,650
  • 4 Unit – $1,244,850