California 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in California

California has 58 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Butte County to a high of $1,581,750 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 ($685,400)
Highest Loan Limit ($1,581,750)

† 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 $822,375 $1,581,750 view details »
Alpine County $463,450 $891,250 view details »
Amador County $364,550 $701,050 view details »
Butte County $356,362 $685,400 view details »
Calaveras County $373,750 $718,750 view details »
Colusa County $356,362 $685,400 view details »
Contra Costa County $822,375 $1,581,750 view details »
Del Norte County $356,362 $685,400 view details »
El Dorado County $598,000 $1,150,000 view details »
Fresno County $356,362 $685,400 view details »
Glenn County $356,362 $685,400 view details »
Humboldt County $356,500 $685,550 view details »
Imperial County $356,362 $685,400 view details »
Inyo County $373,750 $718,750 view details »
Kern County $356,362 $685,400 view details »
Kings County $356,362 $685,400 view details »
Lake County $356,362 $685,400 view details »
Lassen County $356,362 $685,400 view details »
Los Angeles County $822,375 $1,581,750 view details »
Madera County $356,362 $685,400 view details »
Marin County $822,375 $1,581,750 view details »
Mariposa County $356,362 $685,400 view details »
Mendocino County $442,750 $851,450 view details »
Merced County $356,362 $685,400 view details »
Modoc County $356,362 $685,400 view details »
Mono County $529,000 $1,017,300 view details »
Monterey County $739,450 $1,422,050 view details »
Napa County $816,500 $1,570,200 view details »
Nevada County $526,700 $1,012,900 view details »
Orange County $822,375 $1,581,750 view details »
Placer County $598,000 $1,150,000 view details »
Plumas County $356,362 $685,400 view details »
Riverside County $477,250 $917,800 view details »
Sacramento County $598,000 $1,150,000 view details »
San Benito County $822,375 $1,581,750 view details »
San Bernardino County $477,250 $917,800 view details »
San Diego County $753,250 $1,448,600 view details »
San Francisco County $822,375 $1,581,750 view details »
San Joaquin County $483,000 $928,850 view details »
San Luis Obispo County $701,500 $1,349,050 view details »
San Mateo County $822,375 $1,581,750 view details »
Santa Barbara County $660,100 $1,269,450 view details »
Santa Clara County $822,375 $1,581,750 view details »
Santa Cruz County $822,375 $1,581,750 view details »
Shasta County $356,362 $685,400 view details »
Sierra County $356,362 $685,400 view details »
Siskiyou County $356,362 $685,400 view details »
Solano County $550,850 $1,059,350 view details »
Sonoma County $707,250 $1,360,100 view details »
Stanislaus County $396,750 $763,000 view details »
Sutter County $373,750 $718,750 view details »
Tehama County $356,362 $685,400 view details »
Trinity County $356,362 $685,400 view details »
Tulare County $356,362 $685,400 view details »
Tuolumne County $356,362 $685,400 view details »
Ventura County $739,450 $1,422,050 view details »
Yolo County $598,000 $1,150,000 view details »
Yuba County $373,750 $718,750 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 2021, the maximum loan limit in California is $356,362 for a single-family home and $1,581,750 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