Dan Green

Dan Green

Since 2003, Dan Green has been a leading mortgage lender and respected industry authority. His unwavering commitment to first-time home buyers and home buyer education has established him as a trusted voice among his colleagues, his peers, and the media. Dan founded Homebuyer.com to expand the American Dream of Homeownership to all who want it. .

Couple at home looking at tablet

How We Make Money

Homebuyer.com is your trusted guide to homeownership. Since 2003, our team has offered real-world expertise and advice to tens of millions of U.S. home buyers. Our content stands on its integrity: it's factual, unbiased, and free from outside influences. Read our editorial guidelines.

Homebuyer.com is a mortgage-company-affiliated publisher. We earn compensation when you click specific links on the website, or apply for a mortgage with Homebuyer.com or a partner listed in our comparison tables. Our partners compensate us differently, so we randomize our tables to protect our readers from steering. We may also earn compensation for advertisements on the site, which are indicated clearly. Note that limitations in our software, whether we originate mortgages in your area, and credit factors may affect the offers and comparison tables you see on various parts of this site. We do not include offers for every mortgage product available. Someday, we hope we will.

Certified Accurate

Certified Accurate

Your trust matters to us. This article was thoroughly checked for accuracy as of February 14, 2024. Homebuyer.com ensures every piece of information we share reflects the latest in mortgage standards. Learn more about our commitments to our readers in our editorial guidelines.

Mortgage Loan Limits for California

Conforming Loans
FHA Loans
Property Type
2024 Loan Limit
1-Unit Homes
$766,550
2-Unit Homes
$981,500
3-Unit Homes
$1,186,350
4-Unit Homes
$1,474,400
Source: Federal Housing Finance Agency; Federal Housing Administration

California mortgage loan limits apply in:

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.

Loan Type
Relative Share
Conventional
77.96%
FHA
15.17%
VA
0.24%
USDA
6.63%
Property Type
Relative Share
1-Unit Homes
98.22%
2-Unit Homes
1.28%
3-Unit Homes
0.27%
4-Unit Homes
0.23%
Borrower Status
Relative Share
One Borrower
54.87%
Two or More Borrowers
45.13%
Gender
Relative Share
Male
58.15%
Female
27.59%
Not Specified
14.26%
Race
Relative Share
American Indian / Alaska Native
0.63%
Asian
21.32%
Black / African American
4.01%
Native Hawaiian / Other Pacific Islander
0.41%
White
68.89%
Other
4.73%
Ethnicity
Relative Share
Hispanic or Latino
23.78%
Not Hispanic or Latino
71.23%
California data represents 2018-2022 closed-end, first-lien purchase mortgages for 1-4 unit residential properties. Source: FFEIC Home Mortgage Disclosure Act

Mortgage Loan Limits in All California Counties

2024 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
Napa County, California
San Diego County, California
Ventura County, California
Monterey County, California
San Luis Obispo County, California
Sonoma County, California
Santa Barbara 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

See Today’s Mortgage Rates in California

       

Today's 30-year fixed-rate mortgage rate in California is 6.75%. See current mortgage rates for every mortgage product and check your eligibility for first-time home buyer programs with an Immedate Mortgage Approval by Homebuyer.com.

Get Pre-approved

Find out what you can purchase today

Homebuyer.com logo              
Equal Housing Lender Member FDIC

About

Learn

Research

Tools

© 2021-2024 All rights reserved. Growella Inc d/b/a Homebuyer. Homebuyer.com is powered by Novus Home Mortgage, a division of Ixonia Bank, NMLS 423065. www.nmlsconsumeraccess.org Homebuyer is located at 230 Findlay Street, Cincinnati, Ohio 45214. Novus Home Mortgage, a division of Ixonia Bank, is located at 20225 Water Tower Blvd. Suite 400, Brookfield, WI 53045. We have 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. Equal Housing Lender. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. The receipt of the application does not represent an approval for financing or interest rate guarantee. Restrictions may apply.