Most counties within California have a 2023 conforming loan limit of $726,200.
California conforming loan limits have been increased for 2023. Federal housing officials announced this change in November 2022. The table below has been fully updated to include the revised (increased) limits for all counties.
Most counties within California have a 2023 conforming loan limit of $726,200, for a single-family home. Higher-priced areas, like those in the San Francisco Bay Area, have conventional limits of up to $1,089,300 due to higher home values. Other counties fall somewhere in between these “floor” and “ceiling” amounts. See the table below for 2023 conforming loan limits in all California counties. (LoanLimits.org)
- General
- Conforming Loan Limits
- General
- $726,200
- High Cost*
- $1,089,300
- Sonoma County
- $861,350
*High-Cost area loan limits vary by geographic area. We have listed Sonoma County for your convenience. Call us to find out the High-Cost loan limits in your county.
Conforming mortgage loans are mortgages that “conform” to the loan sizes that may be purchased by FNMA or FHLMC. Mortgages that exceed this limit are called “Jumbo” loans or mortgages and are sold as “Securities” on the secondary market.
Contact Ryan Mortgage Company and we will provide a Good Faith Estimate and answer any questions you have regarding this article. Call now at (707) 526-2626.
Ryan Mortgage Company is located in Sonoma County and has been arranging real estate loans in Northern California for 40 years.
