What are FHA Loan Limits in California?

FHA loans are a low down payment mortgage program and California FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in California vary across the state with nearly every county having a limit that’s above the floor of $275,665.

California FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ALAMEDASAN FRANCISCO-OAKLAND-HAYWARD, CA$636,150$814,500$984,525$1,223,475
ALPINENON-METRO$463,450$593,300$717,150$891,250
AMADORNON-METRO$332,350$425,450$514,300$639,150
BUTTECHICO, CA$293,250$375,400$453,750$563,950
CALAVERASNON-METRO$373,750$478,450$578,350$718,750
COLUSANON-METRO$275,665$352,950$426,625$530,150
CONTRA COSTASAN FRANCISCO-OAKLAND-HAYWARD, CA$636,150$814,500$984,525$1,223,475
DEL NORTECRESCENT CITY, CA$275,665$352,950$426,625$530,150
EL DORADOSACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA$488,750$625,700$756,300$939,900
FRESNOFRESNO, CA$281,750$360,700$436,000$541,800
GLENNNON-METRO$275,665$352,950$426,625$530,150
HUMBOLDTEUREKA-ARCATA-FORTUNA, CA$327,750$419,550$507,150$630,300
IMPERIALEL CENTRO, CA$275,665$352,950$426,625$530,150
INYONON-METRO$369,150$472,550$571,250$709,900
KERNBAKERSFIELD, CA$275,665$352,950$426,625$530,150
KINGSHANFORD-CORCORAN, CA$275,665$352,950$426,625$530,150
LAKECLEARLAKE, CA$275,665$352,950$426,625$530,150
LASSENSUSANVILLE, CA$275,665$352,950$426,625$530,150
LOS ANGELESLOS ANGELES-LONG BEACH-ANAHEIM, CA$636,150$814,500$984,525$1,223,475
MADERAMADERA, CA$275,665$352,950$426,625$530,150
MARINSAN FRANCISCO-OAKLAND-HAYWARD, CA$636,150$814,500$984,525$1,223,475
MARIPOSANON-METRO$322,000$412,200$498,250$619,250
MENDOCINOUKIAH, CA$373,750$478,450$578,350$718,750
MERCEDMERCED, CA$275,665$352,950$426,625$530,150
MODOCNON-METRO$275,665$352,950$426,625$530,150
MONONON-METRO$529,000$677,200$818,600$1,017,300
MONTEREYSALINAS, CA$575,000$736,100$889,800$1,105,800
NAPANAPA, CA$636,150$814,500$984,525$1,223,475
NEVADATRUCKEE-GRASS VALLEY, CA$477,250$610,950$738,500$917,800
ORANGELOS ANGELES-LONG BEACH-ANAHEIM, CA$636,150$814,500$984,525$1,223,475
PLACERSACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA$488,750$625,700$756,300$939,900
PLUMASNON-METRO$336,950$431,350$521,400$648,000
RIVERSIDERIVERSIDE-SAN BERNARDINO-ONTARIO, CA$379,500$485,800$587,250$729,800
SACRAMENTOSACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA$488,750$625,700$756,300$939,900
SAN BENITOSAN JOSE-SUNNYVALE-SANTA CLARA, CA$636,150$814,500$984,525$1,223,475
SAN BERNARDINORIVERSIDE-SAN BERNARDINO-ONTARIO, CA$379,500$485,800$587,250$729,800
SAN DIEGOSAN DIEGO-CARLSBAD, CA$612,950$784,700$948,500$1,178,750
SAN FRANCISCOSAN FRANCISCO-OAKLAND-HAYWARD, CA$636,150$814,500$984,525$1,223,475
SAN JOAQUINSTOCKTON-LODI, CA$362,250$463,750$560,550$696,650
SAN LUIS OBISPOSAN LUIS OBISPO-PASO ROBLES-ARROYO GRAN$586,500$750,800$907,550$1,127,900
SAN MATEOSAN FRANCISCO-OAKLAND-HAYWARD, CA$636,150$814,500$984,525$1,223,475
SANTA BARBARASANTA MARIA-SANTA BARBARA, CA$636,150$814,500$984,525$1,223,475
SANTA CLARASAN JOSE-SUNNYVALE-SANTA CLARA, CA$636,150$814,500$984,525$1,223,475
SANTA CRUZSANTA CRUZ-WATSONVILLE, CA$636,150$814,500$984,525$1,223,475
SHASTAREDDING, CA$275,665$352,950$426,625$530,150
SIERRANON-METRO$304,750$390,100$471,550$586,050
SISKIYOUNON-METRO$275,665$352,950$426,625$530,150
SOLANOVALLEJO-FAIRFIELD, CA$431,250$552,050$667,350$829,350
SONOMASANTA ROSA, CA$595,700$762,600$921,800$1,145,600
STANISLAUSMODESTO, CA$299,000$382,750$462,650$575,000
SUTTERYUBA CITY, CA$276,000$353,300$427,100$530,750
TEHAMARED BLUFF, CA$275,665$352,950$426,625$530,150
TRINITYNON-METRO$275,665$352,950$426,625$530,150
TULAREVISALIA-PORTERVILLE, CA$275,665$352,950$426,625$530,150
TUOLUMNESONORA, CA$331,200$424,000$512,500$636,900
VENTURAOXNARD-THOUSAND OAKS-VENTURA, CA$636,150$814,500$984,525$1,223,475
YOLOSACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA$488,750$625,700$756,300$939,900
YUBAYUBA CITY, CA$276,000$353,300$427,100$530,750

California FHA loan limits can change at any time. Check back often to ensure accurate information.

How are California FHA Limits Set?

California FHA Loan LimitsMortgage limits for California FHA loans are based on median housing prices for the particular county and Metropolitan Statistical Area (MSA). More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low cost areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

CA FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in CA is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in CA is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

California FHA loan limits are set above $275,665 in the areas of Los Angeles, San Francisco, San Francisco, San Jose, Oakland, Fresno, Sacramento, Long Beach, Bakersfield, Santa Ana and more. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

Cities in CA that are eligible for FHA loans are listed below:

Los Angeles, Roseville, Santa Clara, Vallejo, El Monte, Victorville, Berkley, Downey, Inglewood, Costa Mesa, San Francisco, Hayward, Orange, Pasadena, Sunnyvale, Simi Valley, Visalia, San Diego, Santa Clarita, Santa Rosa, Garden Grove, Ontario, San Jose, Sacramento, Fresno, Long Beach, Oakland, Bakersfield, Santa Ana, Anaheim, Norwalk, Carlsbad, Fairfield, Richmond, Murrieta, Burbank, Riverside, Stockton, Chula Vista, Fremont, Irvine, San Bernardino, Modesto, Oxnard, Fontana, Moreno Valley, Glendale, South Gate, Vacaville, Mission Viejo, Vista, Newport Beach, Chico, Whittier, San Leandro, Hawthorne, San Marcos, Redding, Hesperia, Huntington Beach, Oceanside, Rancho Cucamonga, Palmdale, Elk Grove, Lancaster, Corona, Salinas, Torrance, Pomona, Escondido, Thousand Oaks, Fullerton, Concord, West Covina, Antioch, Daly City, Temecula, Santa Maria, El Cajon, Rialto, San Mateo, Compton, Clovis, Carson, Santa Barbara, Westminster, Santa Monica, Citrus Heights, Alhambra, Tracy, Livermore, Buena Park, Lakewood, Merced, Hemet, Chino, Menifee, Lake Forrest, and Napa.

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