California FHA Loan Limits

Last Updated: Wed, January 2, 2019

Loan Limits in California

California has 58 counties with FHA Limits ranging from a low of $314,827 for a 1-bedroom unit in Butte County to a high of $1,397,400 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 ($605,525)
Highest Loan Limit ($1,397,400)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

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. The maximum loan limit in California is $1,397,400 for a 4 living-unit home. 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. FHA loans cannot be used for real estate investment purposes or "flipping" homes in California. Click on the California map above or the table below to see loan limits in your area.

Loan Limits by County in California (58)

County Lowest Loan Limit Highest Loan Limit
Alameda County $726,525 $1,397,400 view loan limits »
Alpine County $463,450 $891,250 view loan limits »
Amador County $350,750 $674,500 view loan limits »
Butte County $314,827 $605,525 view loan limits »
Calaveras County $373,750 $718,750 view loan limits »
Colusa County $314,827 $605,525 view loan limits »
Contra Costa County $726,525 $1,397,400 view loan limits »
Del Norte County $314,827 $605,525 view loan limits »
El Dorado County $552,000 $1,061,550 view loan limits »
Fresno County $314,827 $605,525 view loan limits »
Glenn County $314,827 $605,525 view loan limits »
Humboldt County $333,500 $641,350 view loan limits »
Imperial County $314,827 $605,525 view loan limits »
Inyo County $369,150 $709,900 view loan limits »
Kern County $314,827 $605,525 view loan limits »
Kings County $314,827 $605,525 view loan limits »
Lake County $314,827 $605,525 view loan limits »
Lassen County $314,827 $605,525 view loan limits »
Los Angeles County $726,525 $1,397,400 view loan limits »
Madera County $314,827 $605,525 view loan limits »
Marin County $726,525 $1,397,400 view loan limits »
Mariposa County $322,000 $619,250 view loan limits »
Mendocino County $409,400 $787,300 view loan limits »
Merced County $314,827 $605,525 view loan limits »
Modoc County $314,827 $605,525 view loan limits »
Mono County $529,000 $1,017,300 view loan limits »
Monterey County $652,050 $1,253,950 view loan limits »
Napa County $726,525 $1,397,400 view loan limits »
Nevada County $486,450 $935,500 view loan limits »
Orange County $726,525 $1,397,400 view loan limits »
Placer County $552,000 $1,061,550 view loan limits »
Plumas County $336,950 $648,000 view loan limits »
Riverside County $431,250 $829,350 view loan limits »
Sacramento County $552,000 $1,061,550 view loan limits »
San Benito County $726,525 $1,397,400 view loan limits »
San Bernardino County $431,250 $829,350 view loan limits »
San Diego County $690,000 $1,326,950 view loan limits »
San Francisco County $726,525 $1,397,400 view loan limits »
San Joaquin County $425,500 $818,250 view loan limits »
San Luis Obispo County $667,000 $1,282,700 view loan limits »
San Mateo County $726,525 $1,397,400 view loan limits »
Santa Barbara County $653,200 $1,256,150 view loan limits »
Santa Clara County $726,525 $1,397,400 view loan limits »
Santa Cruz County $726,525 $1,397,400 view loan limits »
Shasta County $314,827 $605,525 view loan limits »
Sierra County $314,827 $605,525 view loan limits »
Siskiyou County $314,827 $605,525 view loan limits »
Solano County $494,500 $950,950 view loan limits »
Sonoma County $704,950 $1,355,700 view loan limits »
Stanislaus County $350,750 $674,500 view loan limits »
Sutter County $324,300 $623,650 view loan limits »
Tehama County $314,827 $605,525 view loan limits »
Trinity County $314,827 $605,525 view loan limits »
Tulare County $314,827 $605,525 view loan limits »
Tuolumne County $331,200 $636,900 view loan limits »
Ventura County $713,000 $1,371,150 view loan limits »
Yolo County $552,000 $1,061,550 view loan limits »
Yuba County $324,300 $623,650 view loan limits »

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