Compare current mortgage rates for today in California
Updated on
Conventional Fixed rate loans
Conventional fixed-rate loans in the USA offer stable monthly payments with a constant interest rate over 15, 20, or 30 years. Borrowers typically need a down payment of 3-20% and may pay for private mortgage insurance. Credit score, closing costs, and property appraisal are key factors in securing these mortgages.
Assumptions: 760+ Credit, $780,000 sales price, $650,000 loan amount. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example.
Federal Housing Administration (FHA) Loans
FHA loans, backed by the Federal Housing Administration, offer low down payments (typically 3.5%) and are accessible to borrowers with lower credit scores. They require mortgage insurance premiums, providing options for those with less established credit.
No current rates found for this specific scenario in California. Please check back later or adjust your search criteria on our main rates page.
Jumbo Loans
Jumbo loans exceed conventional limits, suitable for high-cost properties. They often require larger down payments, have stricter credit requirements, and may carry higher interest rates due to non-conforming nature, ideal for buyers in high-value markets.
Assumptions: 780+ Credit, $1,440,000 sales price, $1,200,000 loan amount. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example.
Conforming Loan Limits in California (2026)
| County | 1-Unit Limit |
|---|---|
| Alameda | $1,249,125 |
| Alpine | $832,750 |
| Amador | $832,750 |
| Butte | $832,750 |
| Calaveras | $832,750 |
| Colusa | $832,750 |
| Contra Costa | $1,249,125 |
| Del Norte | $832,750 |
| El Dorado | $832,750 |
| Fresno | $832,750 |
Mortgage Rate Trends
VA 30-Yr Fixed Rate Trends
Data source: BankingBridge API. Updated daily.