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I am the author of this blog and also a top-producing Loan Officer and CEO of InstaMortgage Inc, the fastest-growing mortgage company in America. All the advice is based on my experience of helping thousands of homebuyers and homeowners. We are a mortgage company and will help you with all your mortgage needs. Unlike lead generation websites, we do not sell your information to multiple lenders or third-party companies.

2023 Conforming Loan Limits California is $726,200 and goes up to $1,089,300 for high-cost counties for one-unit properties.

2023 Conforming Loan Limits California for 2-unit properties is $929,850 and goes up to $1,394,775 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 (2022, in this case).

2023 Conforming Loan Limits for California (CA) was announced at the end of 2022. 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 2023 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.

2023 Conforming Loan Limits for Alameda County

  • 1 Unit  – $1,089,300
  • 2 Unit – $1,394,775
  • 3 Unit – $1,685,850
  • 4 Unit – $2,095,200

2023 Conforming Loan Limits for Alpine County

  • 1  Unit – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Amador County

  • 1 Unit – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Butte County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Calaveras County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Colusa County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits California for Contra Costa County

  • 1 Unit  – $1,089,300
  • 2 Unit – $1,394,775
  • 3 Unit – $1,685,850
  • 4 Unit – $2,095,200

2023 Conforming Loan Limits for Del Norte County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for El Dorado County

  • 1 Unit  – $763,600
  • 2 Unit – $977,550
  • 3 Unit – $1,181,650
  • 4 Unit – $1,46,8500

2023 Conforming Loan Limits for Fresno County

  • 1  Unit – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Glenn County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Humboldt County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Imperial County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Inyo County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Kern County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Kings County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Lake County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Lassen County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Los Angeles County

  • 1 Unit  – $1,089,300
  • 2 Unit – $1,394,775
  • 3 Unit – $1,685,850
  • 4 Unit – $2,095,200

2023 Conforming Loan Limits for Madera County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits California for Marin County

  • 1 Unit  – $1,089,300
  • 2 Unit – $1,394,775
  • 3 Unit – $1,685,850
  • 4 Unit – $2,095,200

2023 Conforming Loan Limits for Mariposa County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Mendocino County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Merced County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Modoc County

  • 1 Unit – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Mono County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Monterey County

  • 1 Unit  – $915,400
  • 2 Unit – $1,171,900
  • 3 Unit – $1,416,550
  • 4 Unit – $1,760,400

2023 Conforming Loan Limits for Napa County

  • 1 Unit  – $1,017,750
  • 2 Unit – $1,302,900
  • 3 Unit – $1,574,900
  • 4 Unit – $1,957,250

2023 Conforming Loan Limits for Nevada County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800


2023 Conforming Loan Limits for Orange County

  • 1 Unit  – $1,089,300
  • 2 Unit – $1,394,775
  • 3 Unit – $1,685,850
  • 4 Unit – $2,095,200

2023 Conforming Loan Limits for Placer County

  • 1 Unit  – $763,600
  • 2 Unit – $977,550
  • 3 Unit – $1,181,650
  • 4 Unit – $1,468,500

2023 Conforming Loan Limits for Plumas County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Riverside County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Sacramento County  

  • 1 Unit   – $763,600
  • 2 Unit – $977,550
  • 3 Unit – $1,181,650
  • 4 Unit – $1,46,8500

2023 Conforming Loan Limits for San Benito County

  • 1 Unit  – $1,089,300
  • 2 Unit – $1,394,775
  • 3 Unit – $1,685,850
  • 4 Unit – $2,095,200

2023 Conforming Loan Limits for San Bernardino County

  • 1 Unit   – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for San Diego County

  • 1 Unit  –  $977,500
  • 2 Unit – $1,251,400
  • 3 Unit – $1,512,650
  • 4 Unit – $1,879,850

2023 Conforming Loan Limits for San Francisco County

  • 1 Unit  – $1,089,300
  • 2 Unit – $1,394,775
  • 3 Unit – $1,685,850
  • 4 Unit – $2,095,200

2023 Conforming Loan Limits for San Joaquin County

  • 1 Unit   – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for San Luis Obispo County

  • 1 Unit   — $911,950
  • 2 Unit – $1,167,450
  • 3 Unit – $1,411,200
  • 4 Unit – $1,753,800

2023 Conforming Loan Limits for San Mateo County

  • 1 Unit  – $1,089,300
  • 2 Unit – $1,394,775
  • 3 Unit – $1,685,850
  • 4 Unit – $2,095,200

2023 Conforming Loan Limits for Santa Barbara County

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

2023 Conforming Loan Limits for Santa Clara County

  • 1 Unit  – $1,089,300
  • 2 Unit – $1,394,775
  • 3 Unit – $1,685,850
  • 4 Unit – $2,095,200

2023 Conforming Loan Limits for Santa Cruz County

  • 1 Unit  – $1,089,300
  • 2 Unit – $1,394,775
  • 3 Unit – $1,685,850
  • 4 Unit – $2,095,200

2023 Conforming Loan Limits for Shasta County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Sierra County

  • 1 Unit –  $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Siskiyou County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Solano County

  • 1 Unit  — $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Sonoma County

  • 1 Unit  – $861,350
  • 2 Unit – $1,102,700
  • 3 Unit – $1,332,900
  • 4 Unit – $1,656,450

2023 Conforming Loan Limits for Stanislaus County

  • 1 Unit – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Sutter County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Tehama County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Trinity County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Tulare County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Tuolumne County

  • 1 Unit   – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800

2023 Conforming Loan Limits for Ventura County

  • 1 Unit   – $948,750
  • 2 Unit – $1,214,600
  • 3 Unit – $1,468,150
  • 4 Unit – $1,824,550

2023 Conforming Loan Limits for Yolo County

  • 1 Unit  – $763,600
  • 2 Unit – $977,550
  • 3 Unit – $1,181,650
  • 4 Unit – $1,468,500

2023 Conforming Loan Limits for Yuba County

  • 1 Unit  – $726,200
  • 2 Unit – $929,850
  • 3 Unit – $1,123,900
  • 4 Unit – $1,396,800