2015 CA Loan Limits – Fannie Mae & Freddie Mac Conforming Loans

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.