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California

2024 Loan Rules & Limits

📊 Loan Limits (2024)

Conforming Limit
$1,149,825
FHFA single-family baseline
FHA Floor
$1,149,825
HUD single-family baseline
High-Cost Area: Parts of California may qualify for loan limits up to $1,149,825. Check with your lender for county-specific limits.

💰 Tax Climate

State Income Tax
Yes

🏛️ State Housing Agency

CalHFA

Available Programs

  • CalHFA MyHome
  • CalHFA Zero Interest
  • GSFA Platinum

📋 Lending Notes

Many counties at maximum conforming limit ($1,149,825): Los Angeles, San Francisco, San Diego, Orange, Santa Clara, Marin, and others. Highest income tax rate in U.S. (up to 13.3%). Strong buyer protection laws.

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Loan limits effective January 1, 2024. Actual limits vary by county. Always verify current limits with your lender or at hud.gov and fhfa.gov.