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Conventional Vs Jumbo Loan Amounts What Is A Conforming Loan In California Conforming Loans – What is a Conforming Loan – calmtg.com – Conforming Loans & Guidelines: The most important guideline related to a conforming loan is the size of the mortgage. Since 2006, the conforming loan limit has been $417,000 for single family homes. There is an exception to this loan limit and it’s based on high cost areas like San Francisco, Los Angeles and New York.