2012 San Diego Conforming Loan Limits

San Diego Loan Limits 

*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

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