About County Loan Limits

Each of the following loan programs have limits on the amount you can borrow when purchasing a new home. Some states and counties have higher limits. Use the tool below to search loan limits in your area.

  • FHA loans generally have the lowest limits. It most counties the 2018 limit on a single family (one-unit) home is $294,515.
  • Conforming loans meet Fannie Mae and Freddie Mac loan standards. The limits are typically higher than FHA loans - $453,100 in most counties.
  • VA loan limits equal the conforming one-unit limit. You can have a VA loan above the loan limit, but you'll have to make a down payment.

When 2019 loan limits are available, we'll post them here.

Choose a state & county to view loan limits.

Click to visit that calculator.

County: ALAMEDA
1-unit
2-unit
3-unit
4-unit
Payments
FHA
$679,650
$870,225
$1,051,875
$1,307,175
Conforming
$679,650
$870,225
$1,051,875
$1,307,175

VA Loan Limit: $679,650

The VA county loan limit mirrors the conforming one unit limit. You can still buy a home above the county limit if you make the appropriate down payment.

When budgeting your FHA payment, you'll want to be sure the loan amount is below the county limit. You cannot borrow more than what FHA permits.

Conventional loans above the county limit are called jumbo loans. There may be additional qualifying requirements for loans falling in the jumbo category.

The exception to borrowing above the county loan limit is VA. VA loans are available above the county loan limit if you make a down payment.

Once you've determined the limit where you're buying, use our calculators to explore various monthly payments.

FHA - VA - USDA - Conventional/Conforming