Each year, the Federal Housing Finance Agency (FHFA) updates the conforming loan limits — the maximum loan size Fannie Mae and Freddie Mac will purchase. These limits matter because conforming loans typically offer lower interest rates, easier underwriting, and smaller down-payment options than jumbo loans.
For 2026, rising home prices have resulted in another increase to the baseline conforming loan limits, including multi-unit properties. This is an important shift for homebuyers, homeowners looking to refinance, and investors purchasing 2–4 unit residential properties.
🔥 2026 Baseline Conforming Loan Limits (Nationwide)
These limits apply to the majority of U.S. counties.
| Property Type | 2026 Baseline Loan Limit |
| 1-Unit | $832,750 |
| 2-Unit | $1,066,250 |
| 3-Unit | $1,288,800 |
| 4-Unit | $1,601,750 |
🏡 High-Cost Areas (Including Much of California)
In markets where home prices exceed the national average, FHFA allows for increased “high-cost” loan limits—capped at 150% of baseline.
2026 High-Cost Ceiling Limits
| Property Type | 2026 High-Cost Ceiling |
| 1-Unit | $1,249,125 |
| 2-Unit | $1,599,375 |
| 3-Unit | $1,933,200 |
| 4-Unit | $2,402,625 |
Many California counties—including Los Angeles, Orange, Santa Clara, Alameda, and San Francisco—qualify as high-cost areas and therefore receive the maximum loan limits.
Why This Matters for California Buyers & Homeowners
✔ More purchasing power
Increasing limits help buyers stay within conforming guidelines even as home prices rise.
✔ Better financing for duplex, triplex, and four-plex buyers
Higher multi-unit limits help owner-occupants and investors use conventional financing rather than jumbo.
✔ Potentially lower interest rates
Conforming loans often price better than jumbo loans.
✔ Easier refinancing opportunities
Homeowners whose loan amounts previously fell into jumbo territory may now qualify for conforming programs.
📊 2026 Conforming Loan Limits for All 58 California Counties (1–4 Units)
See the full list for the entire country here
(Use this chart to quickly identify baseline vs high-cost counties.)
| County | 1-Unit Limit | 2-Unit Limit | 3-Unit Limit | 4-Unit Limit |
|---|---|---|---|---|
| Alameda | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| Alpine | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Amador | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Butte | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Calaveras | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Colusa | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Contra Costa | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| Del Norte | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| El Dorado | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Fresno | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Glenn | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Humboldt | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Imperial | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Inyo | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Kern | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Kings | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Lake | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Lassen | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Los Angeles | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| Madera | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Marin | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| Mariposa | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Mendocino | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Merced | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Modoc | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Mono | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Monterey | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| Napa | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| Nevada | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Orange | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| Placer | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Plumas | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Riverside | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Sacramento | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| San Benito | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| San Bernardino | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| San Diego | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| San Francisco | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| San Joaquin | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| San Luis Obispo | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| San Mateo | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| Santa Barbara | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| Santa Clara | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| Santa Cruz | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| Shasta | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Sierra | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Siskiyou | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Solano | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Sonoma | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| Stanislaus | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Sutter | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Tehama | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Trinity | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Tulare | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Tuolumne | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Ventura | 1,249,125 | 1,599,375 | 1,933,200 | 2,402,625 |
| Yolo | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
| Yuba | 832,750 | 1,066,250 | 1,288,800 | 1,601,750 |
Questions? Contact a Sequence Mortgage Advisor to get started on your journey.
