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-BERKELEY, CA$765,600$980,325$1,184,925$1,472,550
ALPINENON-METRO$463,450$593,300$717,150$891,250
AMADORNON-METRO$355,350$454,900$549,850$683,350
BUTTECHICO, CA$331,760$424,800$513,450$638,100
CALAVERASNON-METRO$373,750$478,450$578,350$718,750
COLUSANON-METRO$331,760$424,800$513,450$638,100
CONTRA COSTASAN FRANCISCO-OAKLAND-BERKELEY, CA$765,600$980,325$1,184,925$1,472,550
DEL NORTECRESCENT CITY, CA$331,760$424,800$513,450$638,100
EL DORADOSACRAMENTO-ROSEVILLE-FOLSOM, CA$569,250$728,750$880,900$1,094,700
FRESNOFRESNO, CA$331,760$424,800$513,450$638,100
GLENNNON-METRO$331,760$424,800$513,450$638,100
HUMBOLDTEUREKA-ARCATA, CA$345,000$441,650$533,850$663,450
IMPERIALEL CENTRO, CA$331,760$424,800$513,450$638,100
INYONON-METRO$373,750$478,450$578,350$718,750
KERNBAKERSFIELD, CA$331,760$424,800$513,450$638,100
KINGSHANFORD-CORCORAN, CA$331,760$424,800$513,450$638,100
LAKECLEARLAKE, CA$331,760$424,800$513,450$638,100
LASSENSUSANVILLE, CA$331,760$424,800$513,450$638,100
LOS ANGELESLOS ANGELES-LONG BEACH-ANAHEIM, CA$765,600$980,325$1,184,925$1,472,550
MADERAMADERA, CA$331,760$424,800$513,450$638,100
MARINSAN FRANCISCO-OAKLAND-BERKELEY, CA$765,600$980,325$1,184,925$1,472,550
MARIPOSANON-METRO$331,760$424,800$513,450$638,100
MENDOCINOUKIAH, CA$409,400$524,100$633,500$787,300
MERCEDMERCED, CA$331,760$424,800$513,450$638,100
MODOCNON-METRO$331,760$424,800$513,450$638,100
MONONON-METRO$529,000$677,200$818,600$1,017,300
MONTEREYSALINAS, CA$672,750$861,250$1,041,050$1,293,750
NAPANAPA, CA$764,750$979,000$1,183,400$1,470,700
NEVADATRUCKEE-GRASS VALLEY, CA$486,450$622,750$752,750$935,500
ORANGELOS ANGELES-LONG BEACH-ANAHEIM, CA$765,600$980,325$1,184,925$1,472,550
PLACERSACRAMENTO-ROSEVILLE-FOLSOM, CA$569,250$728,750$880,900$1,094,700
PLUMASNON-METRO$336,950$431,350$521,400$648,000
RIVERSIDERIVERSIDE-SAN BERNARDINO-ONTARIO, CA$442,750$566,800$685,100$851,450
SACRAMENTOSACRAMENTO-ROSEVILLE-FOLSOM, CA$569,250$728,750$880,900$1,094,700
SAN BENITOSAN JOSE-SUNNYVALE-SANTA CLARA, CA$765,600$980,325$1,184,925$1,472,550
SAN BERNARDINORIVERSIDE-SAN BERNARDINO-ONTARIO, CA$442,750$566,800$685,100$851,450
SAN DIEGOSAN DIEGO-CHULA VISTA-CARLSBAD, CA$701,500$898,050$1,085,550$1,349,050
SAN FRANCISCOSAN FRANCISCO-OAKLAND-BERKELEY, CA$765,600$980,325$1,184,925$1,472,550
SAN JOAQUINSTOCKTON, CA$448,500$574,150$694,000$862,500
SAN LUIS OBISPOSAN LUIS OBISPO-PASO ROBLES, CA$690,000$883,300$1,067,750$1,326,950
SAN MATEOSAN FRANCISCO-OAKLAND-BERKELEY, CA$765,600$980,325$1,184,925$1,472,550
SANTA BARBARASANTA MARIA-SANTA BARBARA, CA$653,200$836,200$1,010,800$1,256,150
SANTA CLARASAN JOSE-SUNNYVALE-SANTA CLARA, CA$765,600$980,325$1,184,925$1,472,550
SANTA CRUZSANTA CRUZ-WATSONVILLE, CA$765,600$980,325$1,184,925$1,472,550
SHASTAREDDING, CA$331,760$424,800$513,450$638,100
SIERRANON-METRO$331,760$424,800$513,450$638,100
SISKIYOUNON-METRO$331,760$424,800$513,450$638,100
SOLANOVALLEJO, CA$506,000$647,750$783,000$973,100
SONOMASANTA ROSA-PETALUMA, CA$704,950$902,450$1,090,850$1,355,700
STANISLAUSMODESTO, CA$365,700$468,150$565,900$703,250
SUTTERYUBA CITY, CA$345,000$441,650$533,850$663,450
TEHAMARED BLUFF, CA$331,760$424,800$513,450$638,100
TRINITYNON-METRO$331,760$424,800$513,450$638,100
TULAREVISALIA, CA$331,760$424,800$513,450$638,100
TUOLUMNESONORA, CA$331,760$424,800$513,450$638,100
VENTURAOXNARD-THOUSAND OAKS-VENTURA, CA$713,000$912,750$1,103,350$1,371,150
YOLOSACRAMENTO-ROSEVILLE-FOLSOM, CA$569,250$728,750$880,900$1,094,700
YUBAYUBA CITY, CA$345,000$441,650$533,850$663,450

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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