Conforming Loan Limits 2024 California. Conforming loans are mortgages that—as their name implies—conform to the conforming loan limit (cll) set by the federal housing finance agency (fhfa). For much of the u.s., the divide between conforming loans and jumbo mortgages is $766,550 in 2024.

The current conforming loan limit for most of the bay area is $1,149,825. That’s up 5.56% from 2023, when the limit was.