What is my county loan limit?
Enter your zip code to see the 2026 Fannie Mae conforming loan limits for your county. Updated annually.
Loan limits sourced from Fannie Mae 2026 data. Limits shown are for conventional conforming loans only. Actual loan approval subject to credit, income, and lender underwriting. WestFi NMLS #2890320 · CA DRE #02443798.
What is a conforming loan limit?
Each year the Federal Housing Finance Agency sets the maximum loan amount Fannie Mae and Freddie Mac will purchase. That ceiling is the conforming loan limit, and it varies by county and by the number of units in the property. High cost California counties carry higher limits than the statewide baseline. Loans at or below the limit generally price the most competitively.
Explore conventional loansWhat if my loan is above the limit?
A loan amount above your county limit is a jumbo loan. Jumbo financing is underwritten to investor guidelines instead of agency guidelines, so credit, reserve, and documentation standards are usually tighter. Plenty of California buyers land just above the line, and a slightly larger down payment can bring the loan back into conforming territory.
Explore jumbo loans