2025 Conforming Loan Limits Los Angeles
Maximize Your Borrowing Power in LA’s Most Popular Neighborhoods
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 2025 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.
Did you know?
Median home prices in Los Angeles exceeded $900,000 in 2024, making it more important than ever to leverage conforming loan options for better terms and easier qualification.
2025 Conforming Loan Limits for Southern California
| County | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|
| Los Angeles | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 |
| Orange | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 |
| Ventura | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| Santa Barbara | $913,100 | $1,168,950 | $1,413,000 | $1,756,000 |
Source: Federal Housing Finance Agency (FHFA)
Jumbo vs. Conforming Loans in LA
What’s the Difference?
| Feature | Conforming Loan | Jumbo Loan |
|---|---|---|
| Maximum Amount (LA) | Up to $1,209,750 (1-unit) | Above $1,209,750 |
| 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 $806,500 and $1,209,750, you can put as little as 5% down.
Low-Balance Conforming Loans: Keeping your loan under $806,500 may reward you with a lower interest rate and payment.
Step-by-Step Guide for LA Homebuyers
1. Check Your Local Loan Limit
See our loan limit table for your target Los Angeles conforming loan limit.
2. Calculate Affordability
Try our LA mortgage loan calculator to estimate your monthly payments and see how different down payments affect your options.
3. Get Pre-Approved
Our LA mortgage specialists will review your finances and help you secure a competitive rate.
4. Shop for Homes
Focus on neighborhoods where you can maximize your conforming loan benefits.
5. Close with Confidence
We’ll guide you from offer to closing, ensuring a smooth process every step of the way.
Frequently Asked Questions
What are the 2025 conforming loan limits in Los Angeles neighborhoods?
For single-family homes, the limit is $1,209,750 in all of Los Angeles County—including popular areas like West LA, Hollywood, San Gabriel, and San Fernando Valleys.
Can I buy a duplex or triplex 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[3]. 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.
LA Homebuyer Success Stories
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Schedule a free consultation with our Los Angeles mortgage experts. We’ll help you understand your options, get pre-approved, and find the best loan for your dream home.