If you are buying a home in California in 2026, it may be easier to do it with a conforming mortgage thanks to higher conforming loan limits this year.
The Federal Housing Finance Agency (FHFA) announced the increase, stating, “In most of the United States, the 2026 CLL value for one-unit properties will be $832,750, an increase of $26,250 from 2025.”
That represents a 3.26% increase, which matches the rise in average home prices measured from the third quarter of 2024 to the third quarter of 2025.
Here are the 2026 Conforming Loan Limits in Oakhurst
We are based in Oakhurst, CA, which is in Madera County. Here are the 2026 conforming loan limits in Madera County:
- 1 unit: $832,750
- 2 units: $1,066,250
- 3 units: $1,288,800
- 4 units: $1,601,750
So you can see how substantial the increase is, here are the 2025 limits:
- 1 unit: $806,500
- 2 units: $1,032,650
- 3 units: $1,248,150
- 4 units: $1,551,250
These conforming mode limits for 2025 and 2026 in Madera County are the same as the baseline conforming loan limits for the majority of counties across the country.
These are the 2026 Conforming Loan Limits for the Rest of California
Many other counties throughout California share the baseline conforming loan limits. But California is a state with a higher average cost of living compared to much of the rest of the country. That means there are a number of individual counties within the state where purchasing a home is more expensive. These counties have higher conforming loan limits then the baseline in order to account for higher housing costs.
Below, you can view the 2026 conforming loan limits for all counties in California. You wills see that a number of counties are exceptions to the conforming loan limits due to their higher costs.
| County | 1 Unit | 2 Units | 3 Units | 4 Units |
| ALAMEDA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| ALPINE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| AMADOR | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| BUTTE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| CALAVERAS | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| COLUSA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| CONTRA COSTA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| DEL NORTE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| EL DORADO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| FRESNO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| GLENN | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| HUMBOLDT | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| IMPERIAL | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| INYO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| KERN | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| KINGS | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| LAKE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| LASSEN | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| LOS ANGELES | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| MADERA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| MARIN | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| MARIPOSA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| MENDOCINO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| MERCED | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| MODOC | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| MONO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| MONTEREY | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 |
| NAPA | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| NEVADA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| ORANGE | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| PLACER | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| PLUMAS | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| RIVERSIDE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SACRAMENTO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SAN BENITO | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| SAN BERNARDINO | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 |
| SAN BERNARDINO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SAN DIEGO | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 |
| SAN FRANCISCO | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| SAN JOAQUIN | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SAN LUIS OBISPO | $1,000,500 | $1,280,850 | $1,548,250 | $1,924,100 |
| SAN MATEO | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| SANTA BARBARA | $941,850 | $1,205,750 | $1,457,450 | $1,811,300 |
| SANTA CLARA | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| SANTA CRUZ | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| SHASTA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SIERRA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SISKIYOU | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SOLANO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SONOMA | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 |
| STANISLAUS | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SUTTER | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| TEHAMA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| TRINITY | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| TULARE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| TUOLUMNE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| VENTURA | $1,035,000 | $1,325,000 | $1,601,600 | $1,990,450 |
| YOLO | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| YUBA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Why Higher Conforming Loan Limits are Beneficial to California Homebuyers
Being able to buy a home with a conforming loan means you do not need a jumbo loan. That makes the mortgage process easier, since the requirements you need to meet for a conforming loan are typically not as strict. The higher loan limits bring up more homes into the range where a conforming loan is an option for more home buyers.
With all other factors being equal, the mortgage rates for conforming loans are generally more affordable than they are for jumbo loans. The down payment requirements for conforming loans are usually also not as high as they are for jumbo mortgages.
That means you may be able to afford more home than you could with a jumbo loan. It also may be easier to purchase a home now instead of having to wait until you can afford a higher down payment or interest rate.
Buy a Home in Oakhurst or Beyond
Whether you are shopping for a home in Oakhurst or anywhere in California, we can help you buy a home or refinance. To get started, please give us a call at (559) 540-2275 to schedule your mortgage consultation. We can help you apply for a conforming loan, jumbo loan, or another type of mortgage.
