Most counties within California have a 2025 conforming loan limit of $806,500.
California conforming loan limits have been increased for 2025. Federal housing officials announced this change in November 2024.
Most counties within California have a 2025 conforming loan limit of $806,500, for a single-family home. Higher-priced areas, like those in the San Francisco Bay Area, have conventional limits of up to $1,209,750 due to higher home values. Other counties fall somewhere in between these “floor” and “ceiling” amounts. In the more expensive California-area counties of Los Angeles, Contra Costa, Marin, San Benito, San Francisco, San Mateo, Santa Clara, and Orange, the single-family loan limit has been increased to $1,209,750 for 2025.
- General
- Conforming Loan Limits
- General
- $806,500
- High Cost*
- $1,209,750
- Sonoma County
- $897,000
*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.
