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What is Jumbo Loan?
A jumbo loan is a type of financing that exceeds the limits set by the Federal Housing Finance Agency and cannot be purchased, guaranteed, or securitized by Fannie Mae or Freddie Mac. Homeowners must undergo more rigorous credit requirements than those applying for a conventional loan. Jumbo loans allow you to buy expensive properties. A jumbo loan is not backed by Fannie Mae or Freddie Mac.
In 2024, the FHFA improves the loan limits for all kinds of loan types, especially Jumbo Loans. Please refer to below 2024 loan limits in California.
2024 Loan Limits in California Counties
|
COUNTY |
1-Unit Limit |
2-Unit Limit |
3-Unit Limit |
4-Unit Limit |
|
ALAMEDA |
$1,149,825 |
$1,472,250 |
$1,779,525 |
$2,211,600 |
|
ALPINE |
$766,550 |
$981,500 | $1,186,350 |
$1,474,400 |
|
AMADOR |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
BUTTE |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
CALAVERAS |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
COLUSA |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
CONTRA COSTA |
$1,149,825 |
$1,472,250 |
$1,186,350 |
$2,211,600 |
|
DEL NORTE |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
EL DORADO |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
FRESNO |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
GLENN |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
HUMBOLDT |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
IMPERIAL |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
INYO |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
KERN |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
KINGS |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
LAKE |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
LASSEN |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
LOS ANGELES |
$1,149,825 |
$1,472,250 |
$1,779,525 |
$2,211,600 |
|
MADERA |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
MARIN |
$1,149,825 |
$1,472,250 |
$1,779,525 |
$2,211,600 |
|
MARIPOSA |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
MENDOCINO |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
MERCED |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
MODOC |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
MONO |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
MONTEREY |
$920,000 |
$1,177,750 |
$1,423,650 |
$1,769,250 |
|
NAPA |
$1,017,750 |
$1,302,900 |
$1,574,900 |
$1,957,250 |
|
NEVADA |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
ORANGE |
$1,149,825 |
$1,472,250 |
$1,779,525 |
$2,211,600 |
|
PLACER |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
PLUMAS |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
RIVERSIDE |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
SACRAMENTO |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
SAN BENITO |
$1,149,825 |
$1,472,250 |
$1,779,525c |
$2,211,600 |
|
SAN BERNARDINO |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
SAN DIEGO |
$1,006,250 |
$1,288,200 | $1,557,150 |
$1,935,150 |
|
SAN FRANCISCO |
$1,149,825 |
$1,472,250 |
$1,779,525 |
$1,867,275 |
|
SAN JOAQUIN |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
SAN LUIS OBISPO |
$929,200 |
$1,189,550 |
$1,437,900 |
$1,786,950 |
|
SAN MATEO |
$1,149,825 |
$1,394,775 |
$1,779,525 |
$2,211,600 |
|
SANTA BARBARA |
$838,350 |
$1,073,250 |
$1,297,300 |
$1,612,250 |
|
SANTA CLARA |
$1,149,825 |
$1,472,250 |
$1,779,525 |
$2,211,600 |
|
SANTA CRUZ |
$1,149,825 |
$1,472,250 |
$1,779,525 |
$2,211,600 |
|
SHASTA |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
|
SIERRA |
$766,550 |
$981,500 |
$1,186,350 |
$1,474,400 |
| SISKIYOU | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SOLANO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SONOMA | $877,450 | $1,123,300 | $1,357,800 | $1,687,450 |
| STANISLAUS | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SUTTER | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TEHAMA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TRINITY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TULARE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TUOLUMNE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| VENTURA | $954,500 | $1,221,950 | $1,477,050 | $1,835,600 |
| YOLO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| YUBA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
