California 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in California

California has 58 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Amador County to a high of $1,867,275 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 ($809,150)
Highest Loan Limit ($1,867,275)

† 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 $970,800 $1,867,275 view details »
Alpine County $463,450 $891,250 view details »
Amador County $420,680 $809,150 view details »
Butte County $420,680 $809,150 view details »
Calaveras County $420,680 $809,150 view details »
Colusa County $420,680 $809,150 view details »
Contra Costa County $970,800 $1,867,275 view details »
Del Norte County $420,680 $809,150 view details »
El Dorado County $675,050 $1,298,200 view details »
Fresno County $420,680 $809,150 view details »
Glenn County $420,680 $809,150 view details »
Humboldt County $420,680 $809,150 view details »
Imperial County $420,680 $809,150 view details »
Inyo County $431,250 $829,350 view details »
Kern County $420,680 $809,150 view details »
Kings County $420,680 $809,150 view details »
Lake County $420,680 $809,150 view details »
Lassen County $420,680 $809,150 view details »
Los Angeles County $970,800 $1,867,275 view details »
Madera County $420,680 $809,150 view details »
Marin County $970,800 $1,867,275 view details »
Mariposa County $420,680 $809,150 view details »
Mendocino County $506,000 $973,100 view details »
Merced County $420,680 $809,150 view details »
Modoc County $420,680 $809,150 view details »
Mono County $563,500 $1,083,650 view details »
Monterey County $854,450 $1,643,200 view details »
Napa County $897,000 $1,725,050 view details »
Nevada County $609,500 $1,172,150 view details »
Orange County $970,800 $1,867,275 view details »
Placer County $675,050 $1,298,200 view details »
Plumas County $420,680 $809,150 view details »
Riverside County $562,350 $1,081,450 view details »
Sacramento County $675,050 $1,298,200 view details »
San Benito County $970,800 $1,867,275 view details »
San Bernardino County $562,350 $1,081,450 view details »
San Diego County $879,750 $1,691,850 view details »
San Francisco County $970,800 $1,867,275 view details »
San Joaquin County $563,500 $1,083,650 view details »
San Luis Obispo County $805,000 $1,548,100 view details »
San Mateo County $970,800 $1,867,275 view details »
Santa Barbara County $783,150 $1,506,100 view details »
Santa Clara County $970,800 $1,867,275 view details »
Santa Cruz County $970,800 $1,867,275 view details »
Shasta County $420,680 $809,150 view details »
Sierra County $420,680 $809,150 view details »
Siskiyou County $420,680 $809,150 view details »
Solano County $614,100 $1,181,000 view details »
Sonoma County $764,750 $1,470,700 view details »
Stanislaus County $460,000 $884,600 view details »
Sutter County $420,900 $809,450 view details »
Tehama County $420,680 $809,150 view details »
Trinity County $420,680 $809,150 view details »
Tulare County $420,680 $809,150 view details »
Tuolumne County $420,680 $809,150 view details »
Ventura County $851,000 $1,636,550 view details »
Yolo County $675,050 $1,298,200 view details »
Yuba County $420,900 $809,450 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 2022, the maximum loan limit in California is $420,680 for a single-family home and $1,867,275 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