Free Tool · Updated · New 2027 limits, honored early
Pick your county to see the 2027 conforming loan limit for a one-unit home — and instantly find out whether your loan is conforming or a jumbo loan. Figures are the Fannie Mae / Freddie Mac limits for California.
🆕 Loan limits just went up
The one-unit conforming limit is moving from $832,750 to $850,000 for 2027 — and most lenders are already honoring it. That means you can borrow more before your loan becomes a jumbo loan.
| Units | Previous limit | New limit |
|---|---|---|
| 1 unit | $832,750 | $850,000 |
| 2 units | $1,066,250 | $1,088,350 |
| 3 units | $1,288,800 | $1,315,500 |
| 4 units | $1,601,750 | $1,634,950 |
Baseline (contiguous U.S. / most California counties). High-cost California counties rise to a ceiling of $1,275,000 (150% of baseline). The official 2026 FHFA baseline is $832,750; the 2027 figures above are honored early by most lenders ahead of FHFA’s official release.
2027 one-unit limits. Baseline $850,000; high-cost county ceiling $1,275,000. Multi-unit (2–4 unit) limits are higher — call us.
Conforming limits are higher for 2-, 3-, and 4-unit properties (duplex, triplex, fourplex). These are the new one-to-four-unit limits most lenders are honoring for 2027.
| Units | Contiguous U.S. & most CA counties | High-cost CA ceiling / Alaska & Hawaii |
|---|---|---|
| 1 unit | $850,000 | $1,275,000 |
| 2 units | $1,088,350 | $1,632,500 |
| 3 units | $1,315,500 | $1,973,250 |
| 4 units | $1,634,950 | $2,452,400 |
Buying a duplex, triplex or fourplex above these amounts? We shop multiple jumbo and DSCR lenders. Call (949) 379-5320.
Each year the Federal Housing Finance Agency (FHFA) sets the maximum loan amount that Fannie Mae and Freddie Mac will buy — the conforming loan limit. For 2027 the national baseline for a one-unit home rises to $850,000 — up from the official 2026 figure of $832,750. FHFA sets the official number each November; most lenders are already honoring the higher $850,000 limit early, so you can often lock a loan at the new limit today. Call (949) 379-5320 to confirm your lender qualifies your loan at the new limit. In counties where home prices are high, the limit is raised on a sliding scale up to a ceiling of $1,275,000 (150% of the baseline). A loan at or below your county limit is a conforming (or high-balance conforming) loan; anything above it is a jumbo loan.
Buying a home priced above your county's limit? That is where a broker matters most — we shop multiple jumbo lenders to beat a single bank's pricing. Call (949) 379-5320.
| County | 2027 one-unit limit | Tier |
|---|---|---|
| Alameda | $1,275,000 | High-cost ceiling |
| Alpine | $850,000 | Baseline |
| Amador | $850,000 | Baseline |
| Butte | $850,000 | Baseline |
| Calaveras | $850,000 | Baseline |
| Colusa | $850,000 | Baseline |
| Contra Costa | $1,275,000 | High-cost ceiling |
| Del Norte | $850,000 | Baseline |
| El Dorado | $850,000 | Baseline |
| Fresno | $850,000 | Baseline |
| Glenn | $850,000 | Baseline |
| Humboldt | $850,000 | Baseline |
| Imperial | $850,000 | Baseline |
| Inyo | $850,000 | Baseline |
| Kern | $850,000 | Baseline |
| Kings | $850,000 | Baseline |
| Lake | $850,000 | Baseline |
| Lassen | $850,000 | Baseline |
| Los Angeles | $1,275,000 | High-cost ceiling |
| Madera | $850,000 | Baseline |
| Marin | $1,275,000 | High-cost ceiling |
| Mariposa | $850,000 | Baseline |
| Mendocino | $850,000 | Baseline |
| Merced | $850,000 | Baseline |
| Modoc | $850,000 | Baseline |
| Mono | $850,000 | Baseline |
| Monterey | $1,015,350 | High-cost |
| Napa | $1,038,850 | High-cost |
| Nevada | $850,000 | Baseline |
| Orange | $1,275,000 | High-cost ceiling |
| Placer | $850,000 | Baseline |
| Plumas | $850,000 | Baseline |
| Riverside | $850,000 | Baseline |
| Sacramento | $850,000 | Baseline |
| San Benito | $1,275,000 | High-cost ceiling |
| San Bernardino | $850,000 | Baseline |
| San Diego | $1,126,850 | High-cost |
| San Francisco | $1,275,000 | High-cost ceiling |
| San Joaquin | $850,000 | Baseline |
| San Luis Obispo | $1,021,200 | High-cost |
| San Mateo | $1,275,000 | High-cost ceiling |
| Santa Barbara | $961,350 | High-cost |
| Santa Clara | $1,275,000 | High-cost ceiling |
| Santa Cruz | $1,275,000 | High-cost ceiling |
| Shasta | $850,000 | Baseline |
| Sierra | $850,000 | Baseline |
| Siskiyou | $850,000 | Baseline |
| Solano | $850,000 | Baseline |
| Sonoma | $915,600 | High-cost |
| Stanislaus | $850,000 | Baseline |
| Sutter | $850,000 | Baseline |
| Tehama | $850,000 | Baseline |
| Trinity | $850,000 | Baseline |
| Tulare | $850,000 | Baseline |
| Tuolumne | $850,000 | Baseline |
| Ventura | $1,056,450 | High-cost |
| Yolo | $850,000 | Baseline |
| Yuba | $850,000 | Baseline |
★ Baseline counties ($850,000) and high-cost ceiling counties ($1,275,000) reflect the new 2027 limits. The remaining high-cost counties (San Diego, Ventura, Napa, San Luis Obispo, Monterey, Santa Barbara, Sonoma) are shown at their projected 2027 figures, estimated from the baseline increase; FHFA publishes official county figures each November. Call us for your county’s exact number.
For most California counties the 2027 conforming loan limit for a one-unit home is $850,000. In designated high-cost counties — including Los Angeles, Orange, San Francisco, Santa Clara, Alameda, Contra Costa, Marin, San Mateo, Santa Cruz and San Benito — the limit rises to the ceiling of $1,275,000. Use the checker above to see your county.
A loan above your county's conforming limit is a jumbo loan. Jumbo loans are still widely available in California and often carry competitive rates, but underwriting is stricter (larger down payment, more reserves, higher credit). As a broker we shop multiple jumbo lenders.
In high-cost counties the conforming limit is raised above the national baseline of $850,000 up to a ceiling of $1,275,000. Loans between the baseline and the county ceiling are called high-balance conforming (or super-conforming) loans; they follow conforming guidelines but may price slightly higher than a standard conforming loan.
No. FHA has its own county loan limits, which are usually lower than the conforming limit. The figures here are the Fannie Mae and Freddie Mac conforming limits used for conventional loans. Ask us for the FHA limit in your county.
Yes — the checker shows the one-unit (single-family) 2026 limit. Limits are higher for 2-, 3-, and 4-unit properties. If you are buying a duplex, triplex or fourplex, call us for the exact multi-unit limit in your county.
A jumbo loan is any mortgage above your county's conforming loan limit. For 2027 that's $850,000 in most California counties and up to $1,275,000 in high-cost counties like Los Angeles, Orange, and the Bay Area. Above that ceiling it's jumbo everywhere. Check your county's exact limit with the tool above.
For most California counties the 2027 one-unit conforming limit is $850,000. High-cost counties — Los Angeles, Orange, Alameda, Contra Costa, Santa Clara and San Francisco — reach the ceiling of $1,275,000; San Diego is $1,126,850 and Santa Barbara $961,350. Above your county's limit a loan is jumbo.
It varies by county. For 2027, one-unit examples: San Diego $1,126,850; Alameda and Contra Costa $1,275,000 (the state ceiling); Los Angeles and Orange $1,275,000; Santa Barbara $961,350; most other counties $850,000. Above your county's number a loan is jumbo — pick your county in the checker for the exact figure.
Whether you are conforming, high-balance, or jumbo, we shop many lenders to find your best rate. Free quote, no credit pull to start.