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Understanding mortgage loan limits is crucial for prospective homebuyers and real estate professionals in California. For 2025, the Federal Housing Finance Administration (FHFA) and Federal Housing Administration (FHA) have updated the county loan limits for FHA, VA, Conventional, and Jumbo loans. Here’s an in-depth look at what’s new for the coming year.

California’s 2025 Conventional Conforming County Loan Limits

The FHFA has increased the baseline conforming loan limit (CCL) for 2025 by 5.2% from 2024, setting the limit at $806,500 for one-unit properties. In high-cost counties across California, the limit can go up to $1,209,750.

What is a Conforming Loan?

A conforming loan meets the guidelines set by Government Sponsored Entities (GSEs) like Freddie Mac and Fannie Mae. Loan limits are one key criterion, ensuring the mortgage qualifies as “conforming.”

High-Balance or High-Cost Loan Limits

High-balance loan limits apply to areas where housing prices are significantly above the national average. These limits range from $806,500 to $1,209,750 in California. Loans in this range are known as Super Conforming Loans or High-Balance Loans.

For more information, check out the official Fannie Mae lender letter here.

2025 FHA County Loan Limits in California

The FHA uses a slightly different approach to set its loan limits. These limits are based on 65% to 150% of the national conforming loan limit.

• FHA Floor: $524,225
• FHA Ceiling: $1,209,750 (for high-cost counties)

FHA High-Balance or Jumbo Loan Limits

In high-cost counties, FHA loans between $524,225 and $1,209,750 are categorized as Jumbo Loans or FHA High-Balance Loans.

For detailed guidelines, refer to Mortgagee Letter 2022-20.

2025 VA County Loan Limits in California

Great news for veterans! For 2025, VA loans in California have no county loan limit. Thanks to the Blue Water Navy Vietnam Veterans Act signed in 2019, VA loans no longer adhere to county limits, providing veterans with greater flexibility.

Who Sets Loan Limits?

Loan limits for Conventional, FHA, and VA loans are determined annually by federal agencies. Limits for multi-unit properties (2-4 units) are higher. If you're interested in these limits, feel free to contact us for personalized assistance.

2025 Loan Limits by County in California

The table below highlights the FHA and Conventional Loan Limits for California counties.

Navigating loan limits and options can be challenging, but we’re here to help! Whether you’re looking for FHA, VA, or Conventional loans, or exploring homebuyer assistance programs, our team can guide you every step of the way.

Contact us today to learn more and get started on your journey to homeownership in 2025!