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California 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in California

California has 58 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Alpine County to a high of $2,326,875 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 ($1,008,300) †
Highest Loan Limit ($2,326,875)

† 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 $1,209,750 $2,326,875 view details »
Alpine County $524,225 $1,008,300 view details »
Amador County $524,225 $1,008,300 view details »
Butte County $524,225 $1,008,300 view details »
Calaveras County $524,225 $1,008,300 view details »
Colusa County $524,225 $1,008,300 view details »
Contra Costa County $1,209,750 $2,326,875 view details »
Del Norte County $524,225 $1,008,300 view details »
El Dorado County $763,600 $1,468,500 view details »
Fresno County $524,225 $1,008,300 view details »
Glenn County $524,225 $1,008,300 view details »
Humboldt County $524,225 $1,008,300 view details »
Imperial County $524,225 $1,008,300 view details »
Inyo County $524,225 $1,008,300 view details »
Kern County $524,225 $1,008,300 view details »
Kings County $524,225 $1,008,300 view details »
Lake County $524,225 $1,008,300 view details »
Lassen County $524,225 $1,008,300 view details »
Los Angeles County $1,209,750 $2,326,875 view details »
Madera County $524,225 $1,008,300 view details »
Marin County $1,209,750 $2,326,875 view details »
Mariposa County $524,225 $1,008,300 view details »
Mendocino County $546,250 $1,050,500 view details »
Merced County $524,225 $1,008,300 view details »
Modoc County $524,225 $1,008,300 view details »
Mono County $776,250 $1,492,800 view details »
Monterey County $970,600 $1,866,600 view details »
Napa County $1,017,750 $1,957,250 view details »
Nevada County $644,000 $1,238,500 view details »
Orange County $1,209,750 $2,326,875 view details »
Placer County $763,600 $1,468,500 view details »
Plumas County $524,225 $1,008,300 view details »
Riverside County $672,750 $1,293,750 view details »
Sacramento County $763,600 $1,468,500 view details »
San Benito County $1,209,750 $2,326,875 view details »
San Bernardino County $672,750 $1,293,750 view details »
San Diego County $1,077,550 $2,072,250 view details »
San Francisco County $1,209,750 $2,326,875 view details »
San Joaquin County $678,500 $1,304,850 view details »
San Luis Obispo County $967,150 $1,859,950 view details »
San Mateo County $1,209,750 $2,326,875 view details »
Santa Barbara County $913,100 $1,756,000 view details »
Santa Clara County $1,209,750 $2,326,875 view details »
Santa Cruz County $1,209,750 $2,326,875 view details »
Shasta County $524,225 $1,008,300 view details »
Sierra County $524,225 $1,008,300 view details »
Siskiyou County $524,225 $1,008,300 view details »
Solano County $685,400 $1,318,100 view details »
Sonoma County $897,000 $1,725,050 view details »
Stanislaus County $535,900 $1,030,600 view details »
Sutter County $524,225 $1,008,300 view details »
Tehama County $524,225 $1,008,300 view details »
Trinity County $524,225 $1,008,300 view details »
Tulare County $524,225 $1,008,300 view details »
Tuolumne County $524,225 $1,008,300 view details »
Ventura County $1,017,750 $1,957,250 view details »
Yolo County $763,600 $1,468,500 view details »
Yuba County $524,225 $1,008,300 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 2025, the maximum loan limit in California is $524,225 for a single-family home and $2,326,875 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.


RELATED LINKS 
FHA Appraisers in California
FHA Inspectors in California
FHA Condos in California
FHA Lenders in California

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** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/california