Explore loan options on your own or work with our loan officers to determine what is best for you
Each program offers distinct advantages tailored to your financial situation.
Federal backing makes this accessible for many borrowers. Down payment as low as 3.5%, credit score 580+. Works well for those with lower credit scores or limited savings.
The standard choice for most borrowers. Down payment 3% to 20%, credit score 620+. Ideal for stable public employees with steady income and good payment history.
Get help covering your down payment and closing costs. Down payment assistance up to 5%, credit score 640+. Perfect for first-time buyers who need a boost to get into homeownership.
Start with a lower initial rate that adjusts over time. Down payment from 3%, credit score 620+. Best for borrowers planning to sell or refinance within five to seven years.
Predictable payments for the life of your loan. Down payment 3% to 20%, credit score 620+. Suits borrowers who value stability and plan to stay in their home long-term.
Predictable payments for the life of your loan. Down payment 3% to 20%, credit score 620+. Suits borrowers who value stability and plan to stay in their home long-term.
Select your county, property type, and loan program to see what you can borrow.
CELP is structured uniquely. We work directly with borrowers, avoiding many of the costs built into traditional mortgage pricing.


Those savings are passed on through Public Employee Pricing™, resulting in lower rates and fees without relying on promotions or pressure.
Clearer pricing, lower rates, and no pressure to move forward before you’re ready.
| County | Loan 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 |
| GLENN | $832,750 |
| HUMBOLDT | $832,750 |
| IMPERIAL | $832,750 |
| INYO | $832,750 |
| KERN | $832,750 |
| KINGS | $832,750 |
| LAKE | $832,750 |
| LASSEN | $832,750 |
| LOS ANGELES | $1,249,125 |
| MADERA | $832,750 |
| MARIN | $1,249,125 |
| MARIPOSA | $832,750 |
| MENDOCINO | $832,750 |
| MERCED | $832,750 |
| MODOC | $832,750 |
| MONO | $832,750 |
| MONTEREY | $994,750 |
| County | Loan Limit |
|---|---|
| NAPA | $1,017,750 |
| NEVADA | $832,750 |
| ORANGE | $1,249,125 |
| PLACER | $832,750 |
| PLUMAS | $832,750 |
| RIVERSIDE | $832,750 |
| SACRAMENTO | $832,750 |
| SAN BENITO | $1,249,125 |
| SAN BERNADINO | $832,750 |
| SAN DIEGO | $1,104,000 |
| SAN FRANCISCO | $1,249,125 |
| SAN JOAQUIN | $832,750 |
| SAN LUIS OBISPO | $1,000,500 |
| SAN MATEO | $1,249,125 |
| SANTA BARBARA | $941,850 |
| SANTA CLARA | $1,249,125 |
| SANTA CRUZ | $1,249,125 |
| SHASTA | $832,750 |
| SIERRA | $832,750 |
| SISKIYOU | $832,750 |
| SOLANO | $832,750 |
| SONOMO | $897,000 |
| STANISLAUS | $832,750 |
| SUTTER | $832,750 |
| TEHAMA | $832,750 |
| TRINITY | $832,750 |
| TULARE | $832,750 |
| County | Loan 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 |
| GLENN | $832,750 |
| HUMBOLDT | $832,750 |
| IMPERIAL | $832,750 |
| INYO | $832,750 |
| KERN | $832,750 |
| KINGS | $832,750 |
| LAKE | $832,750 |
| LASSEN | $832,750 |
| LOS ANGELES | $1,249,125 |
| MADERA | $832,750 |
| MARIN | $1,249,125 |
| MARIPOSA | $832,750 |
| MENDOCINO | $832,750 |
| MERCED | $832,750 |
| MODOC | $832,750 |
| MONO | $832,750 |
| MONTEREY | $994,750 |
| NAPA | $1,017,750 |
| NEVADA | $832,750 |
| ORANGE | $1,249,125 |
| PLACER | $832,750 |
| PLUMAS | $832,750 |
| RIVERSIDE | $832,750 |
| SACRAMENTO | $832,750 |
| SAN BENITO | $1,249,125 |
| SAN BERNADINO | $832,750 |
| SAN DIEGO | $1,104,000 |
| SAN FRANCISCO | $1,249,125 |
| SAN JOAQUIN | $832,750 |
| SAN LUIS OBISPO | $1,000,500 |
| SAN MATEO | $1,249,125 |
| SANTA BARBARA | $941,850 |
| SANTA CLARA | $1,249,125 |
| SANTA CRUZ | $1,249,125 |
| SHASTA | $832,750 |
| SIERRA | $832,750 |
| SISKIYOU | $832,750 |
| SOLANO | $832,750 |
| SONOMO | $897,000 |
| STANISLAUS | $832,750 |
| SUTTER | $832,750 |
| TEHAMA | $832,750 |
| TRINITY | $832,750 |
| TULARE | $832,750 |
Select your county, property type, and loan program to see what you can borrow.
Comparison
Quick look at down payments, credit needs, and loan limits across all programs.
+ Down Payment Assistance
Our Values
Public sector jobs show predictable income and low turnover rates.
Our Values
Lenders see public employees as reliable borrowers with strong repayment history.
Our Values
California backs public employee lending with dedicated programs and resources.
Ask Us
For any unanswered questions, reach out to our support team. We’ll respond as soon as possible to assist you.
Yes. Public employees in California qualify for CELP programs designed specifically for your employment status. These programs offer better rates and terms than standard mortgages. Your job with a public agency makes you eligible.
Retired public employees often qualify for the same programs. Past employees may qualify depending on how long ago you left and your current employment status. Contact us to verify your eligibility based on your specific situation.
You’ll need proof of employment, recent pay stubs, tax returns, and identification. We’ll walk you through the full list during your eligibility check. Having these ready speeds up the process.
No, we start with a soft credit pull, which does not impact your credit score. When you move forward and provide consent, a hard credit pull will be completed during the final approval process.
Loan limits vary by county. Scroll up to the ‘Find Your County Loan Limit’ to see the limit for your specific county.
For any unanswered questions, reach out to our support team. We’ll respond as soon as possible to assist you.
It’s fast, free, and gives you clarity on your options
