California 2024 FHA Loan Limits

Last Updated: Tue, January 2, 2024

Loan Limits in California

California has 58 counties with FHA Limits ranging from a low of $498,257 for a 1-bedroom unit in Amador County to a high of $2,211,600 for a 4-bedroom unit in Alameda County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of California's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($958,350)
Highest Loan Limit ($2,211,600)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in California (58 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Alameda County $1,149,825 $2,211,600 view details »
Alpine County $503,700 $968,650 view details »
Amador County $498,257 $958,350 view details »
Butte County $498,257 $958,350 view details »
Calaveras County $498,257 $958,350 view details »
Colusa County $498,257 $958,350 view details »
Contra Costa County $1,149,825 $2,211,600 view details »
Del Norte County $498,257 $958,350 view details »
El Dorado County $763,600 $1,468,500 view details »
Fresno County $498,257 $958,350 view details »
Glenn County $498,257 $958,350 view details »
Humboldt County $498,257 $958,350 view details »
Imperial County $498,257 $958,350 view details »
Inyo County $508,300 $977,500 view details »
Kern County $498,257 $958,350 view details »
Kings County $498,257 $958,350 view details »
Lake County $498,257 $958,350 view details »
Lassen County $498,257 $958,350 view details »
Los Angeles County $1,149,825 $2,211,600 view details »
Madera County $498,257 $958,350 view details »
Marin County $1,149,825 $2,211,600 view details »
Mariposa County $498,257 $958,350 view details »
Mendocino County $546,250 $1,050,500 view details »
Merced County $498,257 $958,350 view details »
Modoc County $498,257 $958,350 view details »
Mono County $693,450 $1,333,600 view details »
Monterey County $920,000 $1,769,250 view details »
Napa County $1,017,750 $1,957,250 view details »
Nevada County $644,000 $1,238,500 view details »
Orange County $1,149,825 $2,211,600 view details »
Placer County $763,600 $1,468,500 view details »
Plumas County $498,257 $958,350 view details »
Riverside County $644,000 $1,238,500 view details »
Sacramento County $763,600 $1,468,500 view details »
San Benito County $1,149,825 $2,211,600 view details »
San Bernardino County $644,000 $1,238,500 view details »
San Diego County $1,006,250 $1,935,150 view details »
San Francisco County $1,149,825 $2,211,600 view details »
San Joaquin County $656,650 $1,262,800 view details »
San Luis Obispo County $929,200 $1,786,950 view details »
San Mateo County $1,149,825 $2,211,600 view details »
Santa Barbara County $838,350 $1,612,250 view details »
Santa Clara County $1,149,825 $2,211,600 view details »
Santa Cruz County $1,149,825 $2,211,600 view details »
Shasta County $498,257 $958,350 view details »
Sierra County $498,257 $958,350 view details »
Siskiyou County $498,257 $958,350 view details »
Solano County $685,400 $1,318,100 view details »
Sonoma County $877,450 $1,687,450 view details »
Stanislaus County $517,500 $995,200 view details »
Sutter County $498,257 $958,350 view details »
Tehama County $498,257 $958,350 view details »
Trinity County $498,257 $958,350 view details »
Tulare County $498,257 $958,350 view details »
Tuolumne County $498,257 $958,350 view details »
Ventura County $954,500 $1,835,600 view details »
Yolo County $763,600 $1,468,500 view details »
Yuba County $498,257 $958,350 view details »

How to qualify for an FHA Loan in California?

To qualify for an FHA loan in California, your home loan must be below the local FHA loan limits in your area. For 2024, the maximum loan limit in California is $498,257 for a single-family home and $2,211,600 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in California. Additional restricts apply. Click on the California map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/california