Resources · 2026
California loan limits, every county.
The 2026 conforming loan limit is $832,750 for a one-unit home in most California counties, rising to a $1,249,125 ceiling in high-cost counties including Los Angeles, Orange, and the Bay Area. San Diego sits between at $1,104,000 and Ventura at $1,035,000. The 2026 FHA floor is $541,287 and the FHA ceiling matches the conforming ceiling at $1,249,125. Above your county's limit, you're in jumbo territory.
Source: FHFA official 2026 county dataset · HUD ML 2025-23 · Verified June 2026
Southern California service counties — full detail
2026 conforming limits by property size for the nine counties I serve. Two-to-four-unit limits matter for house-hackers and small multifamily investors — the limit scales with the unit count.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Imperial | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kern | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Los Angeles | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Orange | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Riverside | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Bernardino | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Diego | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 |
| Santa Barbara | $941,850 | $1,205,750 | $1,457,450 | $1,811,300 |
| Ventura | $1,035,000 | $1,325,000 | $1,601,600 | $1,990,450 |
All 58 California counties — 2026 conforming limit (1 unit)
Gold = high-cost ceiling county ($1,249,125). Unstyled = baseline ($832,750). Bold = between baseline and ceiling.
2026 FHA limits
FHA limits are set per county between a floor of $541,287 and a ceiling of $1,249,125 (one unit, per HUD Mortgagee Letter 2025-23). High-cost counties like Los Angeles and Orange sit at the ceiling; lower-cost counties sit at the floor; mid-tier counties land between. For your exact county's FHA limit, use HUD's official lookup — or call me and I'll confirm it against the program you're actually considering.
What the limit means for you
At or under your county's limit: conforming pricing, the widest lender pool, 3–5% down options. Between the baseline and your high-cost county's limit: high-balance conforming, priced slightly above standard conforming. Over the limit: jumbo — different reserves, different documentation, and sometimes a better rate than you'd expect. Where your loan lands relative to these numbers is frequently worth a quarter point.
County-aware quoting
Your loan amount, your county, the right program.
Limits shown are FHFA conforming loan limit values for mortgages acquired in calendar year 2026 (one-unit unless noted), from FHFA's official county dataset. FHA floor/ceiling per HUD ML 2025-23. Verified June 2026; limits update annually each November–December. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify. This is not a commitment to lend; all loans are subject to credit approval, income and asset verification, and property appraisal.