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.

California 2023 FHA Loan Limits

Loan Limits in California

Loan Limits by County in California (58 counties)

How to qualify for an FHA Loan in California?

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