California 2020 FHA Loan Limits

Last Updated: Thu, January 2, 2020

Loan Limits in California

California has 58 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Butte County to a high of $1,472,550 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 ($638,100)
Highest Loan Limit ($1,472,550)

† 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 $765,600 $1,472,550 view details »
Alpine County $463,450 $891,250 view details »
Amador County $355,350 $683,350 view details »
Butte County $331,760 $638,100 view details »
Calaveras County $373,750 $718,750 view details »
Colusa County $331,760 $638,100 view details »
Contra Costa County $765,600 $1,472,550 view details »
Del Norte County $331,760 $638,100 view details »
El Dorado County $569,250 $1,094,700 view details »
Fresno County $331,760 $638,100 view details »
Glenn County $331,760 $638,100 view details »
Humboldt County $345,000 $663,450 view details »
Imperial County $331,760 $638,100 view details »
Inyo County $373,750 $718,750 view details »
Kern County $331,760 $638,100 view details »
Kings County $331,760 $638,100 view details »
Lake County $331,760 $638,100 view details »
Lassen County $331,760 $638,100 view details »
Los Angeles County $765,600 $1,472,550 view details »
Madera County $331,760 $638,100 view details »
Marin County $765,600 $1,472,550 view details »
Mariposa County $331,760 $638,100 view details »
Mendocino County $409,400 $787,300 view details »
Merced County $331,760 $638,100 view details »
Modoc County $331,760 $638,100 view details »
Mono County $529,000 $1,017,300 view details »
Monterey County $672,750 $1,293,750 view details »
Napa County $764,750 $1,470,700 view details »
Nevada County $486,450 $935,500 view details »
Orange County $765,600 $1,472,550 view details »
Placer County $569,250 $1,094,700 view details »
Plumas County $336,950 $648,000 view details »
Riverside County $442,750 $851,450 view details »
Sacramento County $569,250 $1,094,700 view details »
San Benito County $765,600 $1,472,550 view details »
San Bernardino County $442,750 $851,450 view details »
San Diego County $701,500 $1,349,050 view details »
San Francisco County $765,600 $1,472,550 view details »
San Joaquin County $448,500 $862,500 view details »
San Luis Obispo County $690,000 $1,326,950 view details »
San Mateo County $765,600 $1,472,550 view details »
Santa Barbara County $653,200 $1,256,150 view details »
Santa Clara County $765,600 $1,472,550 view details »
Santa Cruz County $765,600 $1,472,550 view details »
Shasta County $331,760 $638,100 view details »
Sierra County $331,760 $638,100 view details »
Siskiyou County $331,760 $638,100 view details »
Solano County $506,000 $973,100 view details »
Sonoma County $704,950 $1,355,700 view details »
Stanislaus County $365,700 $703,250 view details »
Sutter County $345,000 $663,450 view details »
Tehama County $331,760 $638,100 view details »
Trinity County $331,760 $638,100 view details »
Tulare County $331,760 $638,100 view details »
Tuolumne County $331,760 $638,100 view details »
Ventura County $713,000 $1,371,150 view details »
Yolo County $569,250 $1,094,700 view details »
Yuba County $345,000 $663,450 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 2020, the maximum loan limit in California is $331,760 for a single-family home and $1,472,550 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