Updated for 2026
2026 Loan Limits for San Bernardino, Riverside, LA & Orange County
In 2026 the conforming limit is $832,750 and the FHA limit is $690,000 in the Inland Empire. In Los Angeles and Orange County both limits are $1,249,125.
2026 Limits by County (One-Unit Home)
Limits are set by county, not by city, so every city in a county uses the same numbers.
| County | Conforming limit | FHA limit | Jumbo starts above |
|---|---|---|---|
| San Bernardino County | $832,750 | $690,000 | $832,750 |
| Riverside County | $832,750 | $690,000 | $832,750 |
| Los Angeles County | $1,249,125 | $1,249,125 | $1,249,125 |
| Orange County | $1,249,125 | $1,249,125 | $1,249,125 |
Two- to four-unit limits are higher. National 2026 figures: conforming baseline $832,750, high-cost ceiling $1,249,125, FHA floor $541,287, HECM maximum $1,249,125.
What the Limits Mean for Your Purchase
The limit caps the loan, not the price. Your down payment sits on top of it. With the FHA minimum of 3.5 percent down, the $690,000 Inland Empire limit covers a home priced up to about $715,000.
In Riverside and San Bernardino, the FHA and conforming limits are $142,750 apart. If you need to borrow between $690,000 and $832,750, a conventional loan works and an FHA loan does not. We check which side of that line your price falls on before you write an offer.
Above $832,750 in the Inland Empire, or above $1,249,125 in LA and Orange County, you need a jumbo loan. Jumbo loans have their own credit, down payment and reserve requirements, but rates are often close to conforming rates for strong borrowers.
Veterans with full entitlement have no VA loan limit. See California VA loans. Homeowners 62 and older can read how the $1,249,125 cap works on our reverse mortgage page.
Other California High-Cost Counties (2026)
Every other California county uses the $832,750 conforming baseline.
Loan Limit Questions
What is the 2026 conforming loan limit in San Bernardino County?
The 2026 conforming loan limit in San Bernardino County is $832,750 for a one-unit home, the national baseline set by FHFA. Riverside County uses the same limit. Loans above $832,750 in either county are jumbo loans.
What is the 2026 FHA loan limit in Riverside and San Bernardino counties?
The 2026 FHA loan limit is $690,000 for a one-unit home in both Riverside and San Bernardino counties, which share the Riverside-San Bernardino-Ontario metro area. That is lower than the $832,750 conforming limit, so a buyer who needs more than $690,000 usually moves to a conventional loan.
What are the 2026 loan limits in Los Angeles and Orange County?
Los Angeles and Orange counties are at the national ceiling: $1,249,125 for a one-unit home, for both conforming (Fannie Mae and Freddie Mac) and FHA loans. Conventional loans between $832,750 and $1,249,125 are called high-balance conforming loans.
How much house can I buy with an FHA loan in the Inland Empire?
With the 3.5 percent minimum down payment, an FHA loan at the $690,000 limit covers a purchase price of about $715,000 in Riverside or San Bernardino County. The limit caps the loan, not the price, so a larger down payment lets you buy above that. Your income, debts and credit decide how much you actually qualify for.
What is the 2026 reverse mortgage (HECM) limit?
The 2026 HECM maximum claim amount is $1,249,125 in every county, set by HUD. A reverse mortgage on a home worth more than that is calculated as if the home were worth $1,249,125; proprietary (jumbo) reverse mortgages can go higher.
When will the 2027 loan limits be announced?
FHFA normally announces next year's conforming loan limits in late November, and HUD publishes the FHA and HECM limits shortly after. The new limits take effect January 1, 2027. We update this page as soon as they are published.
Sources: FHFA conforming loan limits, HUD Mortgagee Letter 2025-23 (FHA), HUD Mortgagee Letter 2025-22 (HECM).
Not Sure Which Limit Applies to Your Home?
Tell us the price and the county. We'll tell you whether it's FHA, conventional, high-balance or jumbo, and what that means for your down payment.
Selvin Herrera · NMLS# 329041 · Good Life Lending · 555 N Benson Ave Suite H, Upland, CA 91786 · Equal Housing Lender · All loans subject to credit approval