Temporary High Balance Loan Limits have been implemented for loans that are applied for (and funded) in 2009.
These higher loan limits are available to borrowers who meet certain criteria regarding their credit score, property type (single-family, 2-unit, condo, etc) and the loan-to-value of their mortgage.
Loan-to-values less than 75% require a credit score higher than 700,and loan-to-values greater than 75% require a credit score higher than 660.
Permanent Loan Limits dictate the maximum allowable loan amount for borrowers who DO NOT MEET the credit score and loan-to-value criteria listed above.
Both the Permanent and Temporary High Balance loan limits vary by California county, as indicted below.
To view and download Fannie Mae’s official nationwide list of loan limits click here.
Counties are listed in alphabetical order. Limits shown are for single units only.
| COUNTY | PERMANENT | TEMPORARY HIGH BALANCE |
|---|---|---|
| ALAMEDA | $625,500 | $729,750 |
| ALPINE | $463,450 | $547,500 |
| AMADOR | $417,000 | $443,750 |
| BUTTE | $417,000 | $417,000 |
| CALAVERAS | $417,000 | $462,500 |
| COLUSA | $417,000 | $417,000 |
| CONTRA COSTA | $625,500 | $729,750 |
| DEL NORTE | $417,000 | $417,000 |
| EL DORADO | $474,950 | $580,000 |
| FRESNO | $417,000 | $417,000 |
| GLENN | $417,000 | $417,000 |
| HUMBOLDT | $417,000 | $417,000 |
| IMPERIAL | $417,000 | $417,000 |
| INYO | $417,000 | $437,500 |
| KERN | $417,000 | $417,000 |
| KINGS | $417,000 | $417,000 |
| LAKE | $417,000 | $417,000 |
| LASSEN | $417,000 | $417,000 |
| LOS ANGELES | $625,500 | $729,750 |
| MADERA | $417,000 | $425,000 |
| MARIN | $625,500 | $729,750 |
| MARIPOSA | $417,000 | $417,000 |
| MENDOCINO | $417,000 | $512,500 |
| MERCED | $417,000 | $472,500 |
| MODOC | $417,000 | $417,000 |
| MONO | $529,000 | $462,500 |
| MONTEREY | $483,000 | $729,750 |
| NAPA | $592,250 | $729,750 |
| NEVADA | $477,250 | $562,500 |
| ORANGE | $625,500 | $729,750 |
| PLACER | $474,950 | $580,000 |
| PLUMAS | $417,000 | $417,000 |
| RIVERSIDE | $417,000 | $500,000 |
| SACRAMENTO | $474,950 | $580,000 |
| SAN BENITO | $625,500 | $729,750 |
| SAN BERNARDINO | $417,000 | $500,000 |
| SAN DIEGO | $546,250 | $697,500 |
| SAN FRANCISCO | $625,500 | $729,750 |
| SAN JOAQUIN | $417,000 | $488,750 |
| SAN LUIS OBISPO | $561,200 | $687,500 |
| SAN MATEO | $625,500 | $729,750 |
| SANTA BARBARA | $603,750 | $729,750 |
| SANTA CLARA | $625,500 | $729,750 |
| SANTA CRUZ | $625,500 | $729,750 |
| SHASTA | $417,000 | $423,750 |
| SIERRA | $417,000 | $417,000 |
| SISKIYOU | $417,000 | $417,000 |
| SOLANO | $417,000 | $557,500 |
| SONOMA | $520,950 | $662,500 |
| STANISLAUS | $417,000 | $423,750 |
| SUTTER | $417,000 | $425,000 |
| TEHAMA | $417,000 | $417,000 |
| TRINITY | $417,000 | $417,000 |
| TULARE | $417,000 | $417,000 |
| TUOLUMNE | $417,000 | $437,500 |
| VENTURA | $598,000 | $729,750 |
| YOLO | $474,950 | $580,000 |
| YUBA | $417,000 | $425,000 |