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California 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in California

California has 58 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Amador County to a high of $2,095,200 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 ($907,900)
Highest Loan Limit ($2,095,200)

† 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 $1,089,300 $2,095,200 view details »
Alpine County $497,950 $957,600 view details »
Amador County $472,030 $907,900 view details »
Butte County $472,030 $907,900 view details »
Calaveras County $472,030 $907,900 view details »
Colusa County $472,030 $907,900 view details »
Contra Costa County $1,089,300 $2,095,200 view details »
Del Norte County $472,030 $907,900 view details »
El Dorado County $763,600 $1,468,500 view details »
Fresno County $472,030 $907,900 view details »
Glenn County $472,030 $907,900 view details »
Humboldt County $472,030 $907,900 view details »
Imperial County $472,030 $907,900 view details »
Inyo County $508,300 $977,500 view details »
Kern County $472,030 $907,900 view details »
Kings County $472,030 $907,900 view details »
Lake County $472,030 $907,900 view details »
Lassen County $472,030 $907,900 view details »
Los Angeles County $1,089,300 $2,095,200 view details »
Madera County $472,030 $907,900 view details »
Marin County $1,089,300 $2,095,200 view details »
Mariposa County $472,030 $907,900 view details »
Mendocino County $546,250 $1,050,500 view details »
Merced County $472,030 $907,900 view details »
Modoc County $472,030 $907,900 view details »
Mono County $693,450 $1,333,600 view details »
Monterey County $915,400 $1,760,400 view details »
Napa County $1,017,750 $1,957,250 view details »
Nevada County $644,000 $1,238,500 view details »
Orange County $1,089,300 $2,095,200 view details »
Placer County $763,600 $1,468,500 view details »
Plumas County $472,030 $907,900 view details »
Riverside County $644,000 $1,238,500 view details »
Sacramento County $763,600 $1,468,500 view details »
San Benito County $1,089,300 $2,095,200 view details »
San Bernardino County $644,000 $1,238,500 view details »
San Diego County $977,500 $1,879,850 view details »
San Francisco County $1,089,300 $2,095,200 view details »
San Joaquin County $656,650 $1,262,800 view details »
San Luis Obispo County $911,950 $1,753,800 view details »
San Mateo County $1,089,300 $2,095,200 view details »
Santa Barbara County $805,000 $1,548,100 view details »
Santa Clara County $1,089,300 $2,095,200 view details »
Santa Cruz County $1,089,300 $2,095,200 view details »
Shasta County $472,030 $907,900 view details »
Sierra County $472,030 $907,900 view details »
Siskiyou County $472,030 $907,900 view details »
Solano County $685,400 $1,318,100 view details »
Sonoma County $861,350 $1,656,450 view details »
Stanislaus County $517,500 $995,200 view details »
Sutter County $488,750 $939,900 view details »
Tehama County $472,030 $907,900 view details »
Trinity County $472,030 $907,900 view details »
Tulare County $472,030 $907,900 view details »
Tuolumne County $472,030 $907,900 view details »
Ventura County $948,750 $1,824,550 view details »
Yolo County $763,600 $1,468,500 view details »
Yuba County $488,750 $939,900 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 2023, the maximum loan limit in California is $472,030 for a single-family home and $2,095,200 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
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