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.

California 2024 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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