Where · Los Angeles

Los Angeles jumbo loans and 2026 loan limits.

In Los Angeles County the 2026 conforming loan limit for a one-unit home is $1,249,125. A loan above that is a jumbo loan.

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Los Angeles County · 2026 limit, source: FHFA$1,249,125Conforming loan limit for a one-unit home. A loan above it is a jumbo loan.

National baseline · 2026, source: FHFA$832,750A loan above this and up to the county limit is a high-balance conforming loan.

FHA limit · 2026, source: HUD$1,249,125For a one-family home. In this county it is the same figure as the conforming limit.

One-unit homes. Source: FHFA’s 2026 county loan limit file, read November 10, 2026. Per HUD, the 2026 FHA limit for a one-family home is the same figure in Los Angeles County (read November 6, 2026). 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’s different here

A high limit, and still a jumbo county.

Ask Sam about a home here

Los Angeles County shares its loan limit with Orange County, because FHFA treats the two as one metropolitan area. The 2026 limit here, $1,249,125, is the highest FHFA allows in the contiguous states: one and a half times the national baseline of $832,750.

Even so, a great many homes in the county cost more than a conforming loan can cover, so jumbo financing is an everyday matter here. Jumbo loans are not sold to Fannie Mae or Freddie Mac, so each lender writes its own rules on income, savings and the property itself. On unusual or very high-value homes, a lender may ask for a second appraisal.

Los Angeles is also the center of the country’s film, television and music business. Many buyers are paid by the project, through their own companies, or in residuals and royalties, and many prefer to hold a home in a trust. Lenders have ways to document all of that, but they do it differently from a salary, and each in its own way.

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Who Sam works with

Which page fits you.

Sam’s three specialties all come up in Los Angeles.

The Celebrity & Entertainment Lender

Entertainers and creators

For income from film, television, music and online work, and for questions about trusts and privacy.

How 1099 and royalty income is counted

The Athlete & Sports Lender

Athletes and sports professionals

For contract, bonus and seasonal income, and for moves on short notice.

How contract income is counted

The Tech Lender

Tech professionals

For RSU, stock and bonus income, which is common in Los Angeles too.

How stock and bonus income is counted

Common questions

Plain answers.

What is the 2026 loan limit in Los Angeles County?

The 2026 conforming loan limit in Los Angeles County is $1,249,125 for a one-unit home. It is set by the Federal Housing Finance Agency (FHFA), and the FHA limit for a one-family home in the county is the same figure, per HUD. Homes with two to four units have higher limits. New limits are usually announced in late November for the following year.

How does jumbo financing work for homes above the limit?

A loan above the county limit is a jumbo loan, and each lender sets its own rules for it. Because jumbo loans are not sold to Fannie Mae or Freddie Mac, lenders often ask for more in savings, credit history and paperwork than on a conforming loan. Some buyers put more money down to keep the loan at or under the limit, and others take the jumbo loan. Sam can lay out both for your purchase.

Can entertainment or 1099 income qualify?

Yes, self-employed and 1099 income can generally be used for a home loan when it is documented. Lenders usually average about two years of tax returns and count what is left after business expenses. Residuals and royalties are often counted when there is a history of payments and a sign they will continue. Each lender sets its own rules.

Can I buy through a trust or an LLC?

Often through a trust, and less often through an LLC. Many lenders allow title to be held in a revocable living trust after they review the trust documents, while many standard home loans are not made to an LLC, especially for a main home. The right structure is a legal question, so ask your own attorney, and raise it with Sam before you write an offer.

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.

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