California Mortgage Broker

Loan limits in higher-cost California counties

For 2026, the standard conforming loan limit for a one-unit home is $832,750, and up to $1,249,125 in designated high-cost counties. Loans above the county limit are jumbo loans. Many California counties qualify for a high-balance limit, which can let you finance a larger loan with conventional or FHA terms before you need a jumbo loan. We'll check the limit for your county.

Insurance availability

In wildfire-prone areas, getting homeowners insurance can take longer and cost more, and some buyers need the California FAIR Plan plus a separate policy for other coverage. Lenders require proof of adequate insurance before closing, so start insurance quotes as soon as you're under contract.

Closing costs to plan for

California counties — and some cities — charge a documentary transfer tax when property changes hands; who pays it is set by local custom and the purchase contract. Add title, escrow, recording and lender charges. Your Loan Estimate itemizes every cost before you commit.

Down payment assistance in California

The California Housing Finance Agency (CalHFA) offers first-time buyer programs, including down payment assistance and, in limited funding rounds, the Dream For All shared-appreciation program. Local cities and counties run their own programs too. Funding and eligibility change, so ask us what's open now.

Common questions