Loan Limits

There are loan limits set for different kinds of loans in different areas. These dictate how much you can borrow in a given area. Below is a breakdown of local loan limits. If you have questions about these loan limits, feel free to contact us.

 VA - All Counties

  • Up to *$2M loan amounts (above $2M by exception); VA has removed its county loan limits
  • Up to 100% financing with full VA entitlement
  • Owner-occupied only
  • Must be a VA eligible borrower
    *Subject to full entitlement. Greater than $1.2 million, additional restrictions apply.

 Jumbo - All Counties

  • Minimum 15% down payment for up to $3M loan amounts; fixed-rate and ARM* programs
  • Loan-to-value (LTV), FICO credit score, and Debt-to-Income Ratio Limitations apply, per requirements and/or exceptions of the specific loan program
    *ARM = Adjustable-rate mortgage.

 FHA - All Counties

  • 3.5% minimum down payment – 580 FICO credit score required with AUS approval and max DTI of 50% with 580-619 FICO
  • Co-borrowers and co-signers allowed
  • Ask about down payment assistance

 Conventional - All Counties

  • Higher loan limits allowed for properties with 2–4 units
  • Co-borrowers and co-signers allowed
  • Ask about our low down payment options and down payment assistance programs

LA & Orange County

Loan Type Purchase Price Loan Limit - 1 Unit
FHA with Minimum Down Payment $1,006,010 $970,800
Loan Type Loan Limit - 1 Unit Purchase Price 5% Down Purchase Price 3% Down
Conventional (Fannie Mae & Freddie Mac) $970,800 $1,021,894 $667,216
Loan Type 1 Unit Limit 2 Unit Limit 3 Unit Limit 4 Unit Limit
Conventional (Fannie Mae & Freddie Mac) $970,800 $1,243,050 $1,502,475 $1,867,275

Riverside & San Bernardino County

Loan Type Purchase Price Loan Limit - 1 Unit
FHA with Minimum Down Payment $582,746 $562,350
Loan Type Loan Limit - 1 Unit Purchase Price 5% Down Purchase Price 3% Down
Conventional (Fannie Mae & Freddie Mac) $647,200 $681,263 $667,216
Loan Type 1 Unit Limit 2 Unit Limit 3 Unit Limit 4 Unit Limit
Conventional (Fannie Mae & Freddie Mac) $647,200 $828,700 $1,001,650 $1,244,850

San Diego County

Loan Type Purchase Price Loan Limit - 1 Unit
FHA with Minimum Down Payment $911,658 $879,750
Loan Type Loan Limit - 1 Unit Purchase Price 5% Down Purchase Price 3% Down
Conventional (Fannie Mae & Freddie Mac) $879,750 $926,052 $667,216
Loan Type 1 Unit Limit 2 Unit Limit 3 Unit Limit 4 Unit Limit
Conventional (Fannie Mae & Freddie Mac) $867,750 $1,126,250 $1,361,350 $1,691,850

Not a commitment to lend. Borrower must meet qualification criteria.