Jumbo and home loans in the East Bay.
The East Bay is Alameda and Contra Costa counties, on the east side of San Francisco Bay: Oakland, Berkeley, Fremont and Hayward in Alameda County, and Walnut Creek, Concord and Richmond in Contra Costa County. Sam Batayneh is licensed in California and lends in all of California.
Conforming limits in the East Bay, one to four units.
The limit rises with the number of units in the home. A loan above the number for the county and the number of units is a jumbo loan.
Updated: November 11, 2026. Source: FHFA, Full County Loan Limit List 2026, read November 11, 2026.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Alameda County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Contra Costa County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
Alameda and Contra Costa counties are both above the 2026 national baseline of $832,750 for a one-unit home, at the high-cost ceiling of $1,249,125. These are conforming limits only. FHA limits are set by HUD, can be lower, and are not listed on this page: see FHA limits on the Loan limits page. Limits change each January, and the 2027 figures are expected in late November 2026. These are published limits, not an offer of any loan amount.
What a loan above the limit means here.
A loan above the county’s limit for the number of units in the home is a jumbo loan. It is the loan amount that counts, not the price of the home, so more money down can keep a loan at or under the limit. Jumbo loans are not sold to Fannie Mae or Freddie Mac, so each lender sets its own rules on income, savings and the property.
In Alameda and Contra Costa counties, a loan above the national baseline of $832,750 and at or under the county’s limit for a one-unit home is a high-balance conforming loan. It is still a conforming loan, although some rules differ from the ones for smaller loans.
The calculator shows where a loan amount falls, and the Loan limits page has every California county.
Homes in the East Bay include condos and townhouses, single-family houses, and buildings with two to four units. With a condo, the lender reviews the building and its homeowners association as well as the buyer, and the association dues are added to the monthly housing cost when the lender works out what you can borrow. Condo financing is covered on the Loan options page.
A home with two to four units has a higher limit than a one-unit home, which is why the table on this page gives four figures for each county. Check the loan amount against the figure for the number of units in the home.
Which page fits you.
Sam works with every kind of home buyer. Start with the page that matches your question.
Every home buyer
Jumbo, conforming, FHA and VA loans, for every kind of home buyer in California.
How Sam works with every buyer
Jumbo loans, in plain words
What a jumbo loan is, and how it differs from a conforming loan.
Jumbo loans explainedFirst-time home buyers
What to get ready before a first purchase, and the loans first-time buyers often look at.
Buying a first homePlain answers.
What is the 2026 conforming loan limit in Alameda and Contra Costa counties?
When is a home loan a jumbo loan in the East Bay?
How do lenders look at a condo in the East Bay?
Are FHA loan limits in the East Bay the same as the limits on this page?
General education only. Each lender sets its own rules, and they change. Nothing here is a promise that a loan will be approved or of any terms. This is not tax, legal or investment advice: for those questions, ask your own CPA, attorney or business manager.
Keep going.
Buying in the East Bay?
Tell Sam the county, the kind of home and how you plan to use it. Sam will explain where the loan is likely to land.