Mortgage data · The Consumer Protection Brokerage
2025 conforming loan limits.
The conforming limit decides whether your loan is conventional or jumbo, and that decides your rate, your reserves, and your approval path. The 2025 baseline for a one-unit home is $806,500, with high-cost counties reaching $1,209,750. Know your number before you shop.
The baseline
2025 baseline conforming limits by property type
These limits apply in most U.S. counties. High-cost counties get higher limits, shown below.
1 unit
$806,500
2 units
$1,032,650
3 units
$1,248,150
4 units
$1,551,250
Where Arrivva works
2025 one-unit limits in key counties
A sample of one-unit conforming limits across our mortgage markets in California, Washington, Texas, Florida, and Pennsylvania. Limits for 2 to 4 unit properties scale up from these. Ask us for your exact county.
| County | State | 1-unit limit |
|---|---|---|
| Los Angeles County | CA | $1,209,750 |
| Orange County | CA | $1,209,750 |
| San Francisco County | CA | $1,209,750 |
| Santa Clara County | CA | $1,209,750 |
| San Diego County | CA | $1,077,550 |
| Sacramento County | CA | $806,500 |
| King County (Seattle) | WA | $1,037,300 |
| Travis County (Austin) | TX | $806,500 |
| Philadelphia County | PA | $806,500 |
Buying somewhere else? We have the full county list. Send us your target market and we will confirm your limit the same day.
Use the number
Know your limit, then get underwritten and get cash back
A conforming limit is only useful if your financing is ready to use it. Get a fully underwritten preapproval so you can win bids, and buy with Arrivva for a flat $9,750 so the rest of the buyer-broker fee comes back to you as a rebate.
Conforming limits FAQ
Loan limit questions, answered
What is a conforming loan limit?
It is the maximum loan amount Fannie Mae and Freddie Mac will purchase for a given county and property type. Stay at or under the limit and you get conventional conforming pricing and guidelines. Go above it and you are in jumbo territory, with different rates, reserves, and underwriting.
What is the 2025 conforming loan limit?
The 2025 baseline limit for a one-unit home is $806,500 in most U.S. counties. Limits rise for 2 to 4 unit properties, and high-cost counties get higher limits, up to $1,209,750 for one unit in counties like Los Angeles, San Francisco, Santa Clara, and Orange County, California.
Why do conforming limits matter for my offer?
The limit determines whether your loan is conforming or jumbo, which changes your rate options, reserve requirements, and approval path. Knowing your county's limit before you shop means your fully underwritten preapproval is built on the right loan from day one.
What if my loan needs to be bigger than the limit?
Then you are looking at a jumbo loan. Arrivva arranges conventional, FHA, VA, and jumbo loans for a flat fee, and we will tell you plainly which structure costs you least.
Want your exact loan limit and a plan to use it?
Tell us your county and price range. We'll confirm your conforming limit and show you the strongest way to finance the purchase.
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