*This article has been updated. Please see 2014 Conforming Loan Limits for San Diego.
The 2012 conforming loan limits for San Diego County are staying at $417,000 for the traditional conforming mortgage and $546,250 for the San Diego high balance conforming program. Remember that loans from $417,001 to $546,250 will have about a .25% higher interest rate and slightly more restrictive guidelines requiring higher FICO scores and lower debt to income ratios. I have included a chart below that shows the 2012 conforming loan limits for other areas of California as well.
San Diego home loans that exceed the high balance loan limits of $546,250 will have to use a San Diego Jumbo Loan and will be subject to stricter underwriting guidelines and usually higher rates.
As a San Diego Mortgage Broker, I do have access to all three categories, traditional conforming, high balance conforming, and true jumbo loans. Please let me know if you have any questions or if you would like an interest rate quote please click HERE.
| County | One Unit Limit |
| ALAMEDA | $625,500 |
| ALPINE | $463,450 |
| AMADOR | $417,000 |
| BUTTE | $417,000 |
| CALAVERAS | $417,000 |
| COLUSA | $417,000 |
| CONTRA COSTA | $625,500 |
| DEL NORTE | $417,000 |
| EL DORADO | $474,950 |
| FRESNO | $417,000 |
| GLENN | $417,000 |
| HUMBOLDT | $417,000 |
| IMPERIAL | $417,000 |
| INYO | $417,000 |
| KERN | $417,000 |
| KINGS | $417,000 |
| LAKE | $417,000 |
| LASSEN | $417,000 |
| LOS ANGELES | $625,500 |
| MADERA | $417,000 |
| MARIN | $625,500 |
| MARIPOSA | $417,000 |
| MENDOCINO | $417,000 |
| MERCED | $417,000 |
| MODOC | $417,000 |
| MONO | $529,000 |
| MONTEREY | $483,000 |
| NAPA | $592,250 |
| NEVADA | $477,250 |
| ORANGE | $625,500 |
| PLACER | $474,950 |
| PLUMAS | $417,000 |
| RIVERSIDE | $417,000 |
| SACRAMENTO | $474,950 |
| SAN BENITO | $625,500 |
| SAN BERNARDINO | $417,000 |
| SAN DIEGO | $546,250 |
| SAN FRANCISCO | $625,500 |
| SAN JOAQUIN | $417,000 |
| SAN LUIS OBISPO | $561,200 |
| SAN MATEO | $625,500 |
| SANTA BARBARA | $625,500 |
| SANTA CLARA | $625,500 |
| SANTA CRUZ | $625,500 |
| SHASTA | $417,000 |
| SIERRA | $417,000 |
| SISKIYOU | $417,000 |
| SOLANO | $417,000 |
| SONOMA | $520,950 |
| STANISLAUS | $417,000 |
| SUTTER | $417,000 |
| TEHAMA | $417,000 |
| TRINITY | $417,000 |
| TULARE | $417,000 |
| TUOLUMNE | $417,000 |
| VENTURA | $598,000 |
| YOLO | $474,950 |
| YUBA | $417,000 |