What is the 2026 conforming loan limit in Alameda County?

The 2026 one-unit conforming loan limit in Alameda County is $1,249,125, California's high-cost maximum. Amounts above it are financed as jumbo loans.

Do you offer FHA loans in the East Bay?

Yes. The 2026 FHA limit in Alameda County is $1,249,125 for a single-family home, so low-down-payment FHA financing is available across Oakland and the East Bay.

Is the East Bay more affordable than San Francisco?

Generally yes — cities like Hayward, San Leandro and parts of Oakland typically price below San Francisco and the Peninsula, which is why many Bay Area buyers focus their search here.

California

Oakland & East Bay Mortgage Lender

The East Bay offers Bay Area access at prices below San Francisco and the Peninsula, and Alameda County carries California's top 2026 loan limit — so many Oakland, Berkeley and Fremont buyers can finance with conforming or FHA loans instead of jumbo. We help you get pre-approved quickly and compete in a fast market.

2026 loan limits · Alameda County

$1,249,125

Conforming (1-unit)

$1,249,125

FHA (1-unit)

Loan amounts above $1,249,125 are financed as jumbo loans, which we also offer.

Programs available here

FHA loans VA loans Conventional loans Jumbo loans First-time buyer Refinance

Areas we serve

Oakland & the East Bay · Berkeley · Fremont · Hayward · San Leandro · Alameda

Frequently asked questions

What is the 2026 conforming loan limit in Alameda County?: The 2026 one-unit conforming loan limit in Alameda County is $1,249,125, California's high-cost maximum. Amounts above it are financed as jumbo loans.
Do you offer FHA loans in the East Bay?: Yes. The 2026 FHA limit in Alameda County is $1,249,125 for a single-family home, so low-down-payment FHA financing is available across Oakland and the East Bay.
Is the East Bay more affordable than San Francisco?: Generally yes — cities like Hayward, San Leandro and parts of Oakland typically price below San Francisco and the Peninsula, which is why many Bay Area buyers focus their search here.

Loan limits shown are the official 2026 FHFA (conforming) and HUD (FHA) one-unit limits for this county, provided for information only — not an offer to lend or a commitment. All loans subject to credit approval. Equal Housing Lender.