2015 CA Loan Limits – Fannie Mae & Freddie Mac Conforming Loans
Fannie Mae & Freddie Mac’s supervising office, the FHFA, has announced Conforming loan limits for 2015. The standard conventional loan limit will remain at $417,000 throughout most of the country. This is also called the Conforming Loan Limit ($417K). High Cost Areas have loan limits based on the Permanent High Cost Loan Limit established in the HERA bill. The FHFA has retained most of the same limits as 2014 for 2015, with minimal changes in some high cost counties including San Diego, Napa, Monterey and Ventura counties in California. Congress had asked the FHFA to avoid reducing conforming loan limits for 2015 to reduce the impact of limited financing options on the housing market. It is widely agreed that any reduction in Conventional Loan limits may result in reduced home values in some markets. These loans are also called Conforming Jumbo, Conforming High Balance, or Super Conforming loans.
We offer Conventional loans with as little as 3% down up to $417K loan amounts, and for Loan amounts over $417K up to the County Loan Limit, we require 10% down payment.
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We also offer a piggyback second mortgage if you would like to exceed these limits, this option requires 10% down payment.
–> Find 2015 FHA Loan Limits for California here
VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).
2015 California Conforming Loan Limits by county
County Name
| One-Family | Two-Family | Three-Family | Four-Family |
ALAMEDA
|
$625,500 |
$800,775 |
$967,950 |
$1,202,925 |
ALPINE
|
$463,450 |
$593,300 |
$717,150 |
$891,250 |
AMADOR
|
$332,350 |
$425,450 |
$514,300 |
$639,150 |
BUTTE
|
$293,250 |
$375,400 |
$453,750 |
$563,950 |
CALAVERAS
|
$373,750 |
$478,450 |
$578,350 |
$718,750 |
COLUSA
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
CONTRA COSTA
|
$625,500 |
$800,775 |
$967,950 |
$1,202,925 |
DEL NORTE
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
EL DORADO
|
$474,950 |
$608,000 |
$734,950 |
$913,350 |
FRESNO
|
$281,750 |
$360,700 |
$436,000 |
$541,800 |
GLENN
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
HUMBOLDT
|
$327,750 |
$419,550 |
$507,150 |
$630,300 |
IMPERIAL
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
INYO
|
$369,150 |
$472,550 |
$571,250 |
$709,900 |
KERN
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
KINGS
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
LAKE
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
LASSEN
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
LOS ANGELES
|
$625,500 |
$800,775 |
$967,950 |
$1,202,925 |
MADERA
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
MARIN
|
$625,500 |
$800,775 |
$967,950 |
$1,202,925 |
MARIPOSA
|
$322,000 |
$412,200 |
$498,250 |
$619,250 |
MENDOCINO
|
$373,750 |
$478,450 |
$578,350 |
$718,750 |
MERCED
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
MODOC
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
MONO
|
$529,000 |
$677,200 |
$818,600 |
$1,017,300 |
MONTEREY
|
$502,550 |
$643,350 |
$777,650 |
$966,450 |
NAPA
|
$615,250 |
$787,650 |
$952,050 |
$1,183,200 |
NEVADA
|
$477,250 |
$610,950 |
$738,500 |
$917,800 |
ORANGE
|
$625,500 |
$800,775 |
$967,950 |
$1,202,925 |
PLACER
|
$474,950 |
$608,000 |
$734,950 |
$913,350 |
PLUMAS
|
$336,950 |
$431,350 |
$521,400 |
$648,000 |
RIVERSIDE
|
$355,350 |
$454,900 |
$549,850 |
$683,350 |
SACRAMENTO
|
$474,950 |
$608,000 |
$734,950 |
$913,350 |
SAN BENITO
|
$625,500 |
$800,775 |
$967,950 |
$1,202,925 |
SAN BERNARDINO
|
$355,350 |
$454,900 |
$549,850 |
$683,350 |
SAN DIEGO
|
$562,350 |
$719,900 |
$870,200 |
$1,081,450 |
SAN FRANCISCO
|
$625,500 |
$800,775 |
$967,950 |
$1,202,925 |
SAN JOAQUIN
|
$304,750 |
$390,100 |
$471,550 |
$586,050 |
SAN LUIS OBISPO
|
$561,200 |
$718,450 |
$868,400 |
$1,079,250 |
SAN MATEO
|
$625,500 |
$800,775 |
$967,950 |
$1,202,925 |
SANTA BARBARA
|
$625,500 |
$800,775 |
$967,950 |
$1,202,925 |
SANTA CLARA
|
$625,500 |
$800,775 |
$967,950 |
$1,202,925 |
SANTA CRUZ
|
$625,500 |
$800,775 |
$967,950 |
$1,202,925 |
SHASTA
|
$273,700 |
$350,350 |
$423,500 |
$526,350 |
SIERRA
|
$304,750 |
$390,100 |
$471,550 |
$586,050 |
SISKIYOU
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
SOLANO
|
$400,200 |
$512,300 |
$619,300 |
$769,600 |
SONOMA
|
$520,950 |
$666,900 |
$806,150 |
$1,001,850 |
STANISLAUS
|
$276,000 |
$353,300 |
$427,100 |
$530,750 |
SUTTER
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
TEHAMA
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
TRINITY
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
TULARE
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
TUOLUMNE
|
$331,200 |
$424,000 |
$512,500 |
$636,900 |
VENTURA
|
$603,750 |
$772,900 |
$934,250 |
$1,161,050 |
YOLO
|
$474,950 |
$608,000 |
$734,950 |
$913,350 |
YUBA
|
$271,050 |
$347,000 |
$419,425 |
$521,250 |
We serve the following areas for FHA and Conventional loans: California, San Diego, San Marcos, Carlsbad, Oceanside, Vista, Escondido, Fallbrook, Bonsall, Riverside, Los Angeles, Orange County, Irvine, Corona, Anaheim, Santa Ana, Seattle, Washington, Bellevue, Kirkland, Redmond, Lynnwood, Olympia, Tacoma, Puyallup, Buckley, Auburn, Kent, Federal Way, Seatac, San Francisco, San Jose, Carson, Gardena, Hawthorne, Lawndale, Inglewood, Ladera Heights, View Park, Windsor Hills, Baldwin Hills, Fox Hills, Culver City, Beverly Hills, Malibu, Santa Monica, Brentwood, Calabasas, Encino, Bel Air Estates, Palos Verdes Estates, Rancho Palos Verdes, Rolling Hills, Rolling Hills Estates, Manhattan Beach, Redondo Beach, Hermosa Beach, Torrance, San Marcos, San Diego, Rancho Bernardo, Carlsbad, Escondido, Poway, Oceanside, Vista, Encinitas, Carmel Valley, Scripps, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Long Beach, Artesia, La Palma, Cerritos, Compton, Lynwood, Bellflower, Temecula, Murrieta, Southern California, Northern California, Washington, Everett, Lynnwood, Tacoma, Kent, Federal Way, Auburn, Renton, Bellevue, Redmond, Kirkland, Whittier, Santa Fe Springs, Downey, Irvine, Newport Beach, Los Angeles, San Bernardino, Riverside and Orange County.