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2026 Conforming Loan
Limits in Los Angeles
What the 2026 conforming loan limits mean for your rate, down payment, and ability to qualify across Los Angeles and California.
Why It Matters
Why Conforming Loan Limits Matter in Los Angeles
Navigating the Los Angeles real estate market isn’t easy, especially with rising prices and intense competition in areas like Beverly Hills, Brentwood, West Hollywood, Silver Lake, Sherman Oaks, Studio City, Santa Monica, Altadena, and Pasadena. That’s why it’s important to understand the 2026 conforming loan limits. These limits set the maximum loan amounts that Fannie Mae and Freddie Mac will purchase, which can affect your interest rate, down payment, and ability to qualify.
Rates
2026 Conforming Loan Limits for California
Maximum conforming loan amounts for California’s high-cost counties in 2026. Find your county below to see the ceiling by number of units.
| County | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|
| Los Angeles | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Orange | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Ventura | $1,035,000 | $1,325,000 | $1,601,600 | $1,990,450 |
| Santa Barbara | $941,850 | $1,205,750 | $1,457,450 | $1,811,300 |
Compare
Jumbo vs. Conforming Loans in LA
What’s the difference? Your county’s one-unit limit is the dividing line: at or below it your loan is conforming; above it, it becomes jumbo.
| Feature | Conforming Loan | Jumbo Loan |
|---|---|---|
| Maximum Amount (LA) | Up to $1,249,125 (1-Unit) | Above $1,249,125 |
| Down Payment | As low as 3-5% | Typically 10-20% |
| Interest Rates | Lower | Higher |
| Approval Process | Simplified | More stringent |
| Eligible Programs | FHA, VA, HomeReady, HomePossible | Limited |
High-Balance Conforming Loans
If you can keep your loan between $832,750 and $1,249,125, you can put as little as 5% down.
Low-Balance Conforming Loans
Keeping your loan under $832,750 may reward you with a lower interest rate and payment.
Get Started
Step-by-Step Guide for LA Homebuyers
From checking your limit to closing day, here’s how the path looks for a Los Angeles buyer.
Calculate Affordability
Try our LA mortgage loan calculator to estimate your monthly payments and see how different down payments affect your options.
Open the mortgage calculatorGet Pre-Approved
Our team of specialists will review your finances and help you secure a competitive rate.
Start your pre-approvalShop for Homes
Focus on neighborhoods where you can maximize your conforming loan benefits.
Close with Confidence
We’ll guide you from offer to closing, ensuring a smooth process every step of the way.
Talk to our team Answers
Frequently Asked Questions
Common questions from Los Angeles buyers and investors.
What are the 2026 conforming loan limits in Los Angeles neighborhoods?
For single-family homes, the limit is $1,249,125 in all of Los Angeles County, including popular areas like West LA, Hollywood, San Gabriel, and San Fernando Valleys.
Can I buy a duplex, triplex, or fourplex in LA with a conforming loan?
Yes! The limits are even higher for 2-4 unit properties, making it easier to invest or house-hack in LA.
How do down payment requirements change in LA?
You may qualify for as little as 3% down on a single-unit home, or 5% for high-balance loans, much lower than jumbo loan requirements.
Are there special programs for first-time buyers in Los Angeles?
Absolutely. First-time homebuyers with a gross annual qualifying income of $126,840 or less may qualify for lower rates and costs. We offer access to first-time buyer programs, down payment assistance, and more for LA residents.
What if my loan amount is just above the limit?
You’ll need a jumbo loan, which has stricter requirements. Our team can help you compare your options.
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