Dan Green
Dan Green

Dan Green

Homebuyer.com

Dan Green (NMLS 227607) is a licensed mortgage professional who has helped millions of people achieve their American Dream of homeownership. Dan has developed dozens of tools, written thousands of mortgage articles, and recorded hundreds of educational videos. .

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This website discusses mortgage programs and how to qualify. Your eligibility may vary based on lender guidelines and investor overlays. Check with your lender for specific details.

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This article was checked for accuracy as of December 2, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.

Published: December 2, 2024

2025 Conventional and FHA Mortgage Loan Limits for California

Conforming Loans
FHA Loans
Property Type
2025 Loan Limit
1-Unit Homes
$806,500
2-Unit Homes
$1,032,650
3-Unit Homes
$1,248,150
4-Unit Homes
$1,551,250
Source: Federal Housing Finance Agency; Federal Housing Administration

California mortgage loan limits apply in:

2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Area
Video Length: 06:51

Historical Charts: Mortgage Loan Limits in California

California mortgage loan limits adjust annually to match changes in the FHFA House Price Index.

Conforming Loans
FHA Loans

Mortgage Statistics from California

California mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.

Mortgages
Total
Purchase Mortgages (2018-2023)
2,006,113
Loan Type
Relative Share
Conventional
78.26%
FHA
14.55%
VA
6.82%
USDA
0.36%
Property Type
Relative Share
1-Unit Homes
98.20%
2-Unit Homes
1.24%
3-Unit Homes
0.28%
4-Unit Homes
0.28%
Borrower Status
Relative Share
One Applicant
47.38%
Two or More Applicants
52.62%
Gender
Relative Share
Male
31.16%
Female
19.12%
Joint Sex
43.43%
Not Available
6.30%
Race
Relative Share
American Indian / Alaska Native
0.54%
Asian
18.07%
Black / African American
3.22%
Native Hawaiian / Other Pacific Islander
0.33%
White
54.96%
Mixed Race
4.17%
Other Race
18.72%
Ethnicity
Relative Share
Hispanic or Latino
19.67%
Not Hispanic or Latino
59.46%
Joint Ethnicity
4.23%
Other Ethnicity
16.64%
California data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits in All California Counties

2025 conforming and FHA mortgage loan limits for all California counties. Local loan limits and county-level mortgage data updated regularly.

California Counties

Alameda County, California
Contra Costa County, California
Los Angeles County, California
Marin County, California
Orange County, California
San Benito County, California
San Francisco County, California
San Mateo County, California
Santa Clara County, California
Santa Cruz County, California
San Diego County, California
Napa County, California
Ventura County, California
Monterey County, California
San Luis Obispo County, California
Santa Barbara County, California
Sonoma County, California
El Dorado County, California
Placer County, California
Sacramento County, California
Yolo County, California
Alpine County, California
Amador County, California
Butte County, California
Calaveras County, California
Colusa County, California
Del Norte County, California
Fresno County, California
Glenn County, California
Humboldt County, California
Imperial County, California
Inyo County, California
Kern County, California
Kings County, California
Lake County, California
Lassen County, California
Madera County, California
Mariposa County, California
Mendocino County, California
Merced County, California
Modoc County, California
Mono County, California
Nevada County, California
Plumas County, California
Riverside County, California
San Bernardino County, California
San Joaquin County, California
Shasta County, California
Sierra County, California
Siskiyou County, California
Solano County, California
Stanislaus County, California
Sutter County, California
Tehama County, California
Trinity County, California
Tulare County, California
Tuolumne County, California
Yuba County, California
National Data

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© 2021-2024 All rights reserved. Member FDIC. Equal Housing Lender. Novus Home Mortgage, a division of Ixonia Bank, NMLS #423065. The website is not available in Connecticut, New York, Washington, Hawaii, and Alaska. Growella is not licensed or registered to engage in mortgage loan origination activities for mortgage loans on 1-4 family residential properties located in New York. This website is not approved by the state of New York. A self-directed mortgage means the customer provides application information and selects loan terms independently. Guidance from a loan officer is available for informational purposes only. This process is not fully automated and does not increase the likelihood of mortgage approval compared to a typical mortgage application. All applications are subject to standard underwriting and approval criteria. This website has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. US government agencies have not reviewed this information, and this site is not connected with any government agency.