Loan Limit

General Loan Limits for 2015

The general loan limits for 2015 are unchanged from 2014 (e.g., $417,000 for a 1-unit property in the continental U.S.) and apply to loans delivered to Fannie Mae in 2015 (even if originated prior to 1/1/2015). Refer to Lender Letter LL-2014-08 for specific requirements.

Maximum Original Principal Balance for 2015

Units Contiguous States, District of Columbia, and Puerto Rico Alaska, Guam, Hawaii, and the U.S. Virgin Islands
1 $417,000 $625,500
2 $533,850 $800,775
3 $645,300 $967,950
4 $801,950 $1,202,925

*Maximum Loan Limits for High-Cost Areas for Mortgages Acquired in Calendar Year 2015

2015 high-cost area loan limits have increased for 46 counties due to a high-cost area adjustment or the county being newly assigned to a high-cost area.

*Amounts shown below are maximum limits allowed by the provisions of the Housing and Economic Recovery Act of 2008. The specific high-cost area loan limits are established for each county (or equivalent) by FHFA. Lenders are responsible for ensuring that the original loan amount of each mortgage loan does not exceed the applicable maximum loan limit for the specific area in which the property is located.

Units Contiguous States, District of Columbia+ Alaska, Guam, Hawaii, and the U.S. Virgin Islands
1 $625,500 $938,250
2 $800,775 $1,201,150
3 $967,950 $1,451,925
4 $1,202,925 $1,804,375

+Puerto Rico and a number of other states do not have any high-cost areas in 2015.

Note that the loan limits apply based on the original loan amount, rather than the unpaid principal balance (UPB).

Max Loan Limit for CA County

State Name County Name 2015 Loan Limit
1 Unit
2015 Loan Limit
2 Unit
2015 Loan Limit
3 Unit
2015 Loan Limit
4 Unit
CALIFORNIA ALAMEDA, CA $ 625,500 $ 800,775 $ 967,950 $ 1,202,925
CALIFORNIA ALPINE, CA $ 463,450 $ 593,300 $ 717,150 $ 891,250
CALIFORNIA AMADOR, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA BUTTE, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA CALAVERAS, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA COLUSA, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA CONTRA COSTA, CA $ 625,500 $ 800,775 $ 967,950 $ 1,202,925
CALIFORNIA DEL NORTE, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA EL DORADO, CA $ 474,950 $ 608,000 $ 734,950 $ 913,350
CALIFORNIA FRESNO, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA GLENN, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA HUMBOLDT, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA IMPERIAL, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA INYO, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA KERN, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA KINGS, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA LAKE, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA LASSEN, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA LOS ANGELES, CA $ 625,500 $ 800,775 $ 967,950 $ 1,202,925
CALIFORNIA MADERA, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA MARIN, CA $ 625,500 $ 800,775 $ 967,950 $ 1,202,925
CALIFORNIA MARIPOSA, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA MENDOCINO, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA MERCED, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA MODOC, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA MONO, CA $ 529,000 $ 677,200 $ 818,600 $ 1,017,300
CALIFORNIA MONTEREY, CA $ 502,550 $ 643,350 $ 777,650 $ 966,450
CALIFORNIA NAPA, CA $ 615,250 $ 787,650 $ 952,050 $ 1,183,200
CALIFORNIA NEVADA, CA $ 477,250 $ 610,950 $ 738,500 $ 917,800
CALIFORNIA ORANGE, CA $ 625,500 $ 800,775 $ 967,950 $ 1,202,925
CALIFORNIA PLACER, CA $ 474,950 $ 608,000 $ 734,950 $ 913,350
CALIFORNIA PLUMAS, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA RIVERSIDE, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA SACRAMENTO, CA $ 474,950 $ 608,000 $ 734,950 $ 913,350
CALIFORNIA SAN BENITO, CA $ 625,500 $ 800,775 $ 967,950 $ 1,202,925
CALIFORNIA SAN BERNARDINO, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA SAN DIEGO, CA $ 562,350 $ 719,900 $ 870,200 $ 1,081,450
CALIFORNIA SAN FRANCISCO, CA $ 625,500 $ 800,775 $ 967,950 $ 1,202,925
CALIFORNIA SAN JOAQUIN, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA SAN LUIS OBISPO, CA $ 561,200 $ 718,450 $ 868,400 $ 1,079,250
CALIFORNIA SAN MATEO, CA $ 625,500 $ 800,775 $ 967,950 $ 1,202,925
CALIFORNIA SANTA BARBARA, CA $ 625,500 $ 800,775 $ 967,950 $ 1,202,925
CALIFORNIA SANTA CLARA, CA $ 625,500 $ 800,775 $ 967,950 $ 1,202,925
CALIFORNIA SANTA CRUZ, CA $ 625,500 $ 800,775 $ 967,950 $ 1,202,925
CALIFORNIA SHASTA, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA SIERRA, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA SISKIYOU, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA SOLANO, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA SONOMA, CA $ 520,950 $ 666,900 $ 806,150 $ 1,001,850
CALIFORNIA STANISLAUS, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA SUTTER, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA TEHAMA, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA TRINITY, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA TULARE, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA TUOLUMNE, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950
CALIFORNIA VENTURA, CA $ 603,750 $ 772,900 $ 934,250 $ 1,161,050
CALIFORNIA YOLO, CA $ 474,950 $ 608,000 $ 734,950 $ 913,350
CALIFORNIA YUBA, CA $ 417,000 $ 533,850 $ 645,300 $ 801,950

Max Loan Limit for All US County

Loan Limits Table by CA And US County