California 2019 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.

Loan Limits by County in California (58 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Alameda County $726,525 $1,397,400 view details »
Alpine County $463,450 $891,250 view details »
Amador County $350,750 $674,500 view details »
Butte County $314,827 $605,525 view details »
Calaveras County $373,750 $718,750 view details »
Colusa County $314,827 $605,525 view details »
Contra Costa County $726,525 $1,397,400 view details »
Del Norte County $314,827 $605,525 view details »
El Dorado County $552,000 $1,061,550 view details »
Fresno County $314,827 $605,525 view details »
Glenn County $314,827 $605,525 view details »
Humboldt County $333,500 $641,350 view details »
Imperial County $314,827 $605,525 view details »
Inyo County $369,150 $709,900 view details »
Kern County $314,827 $605,525 view details »
Kings County $314,827 $605,525 view details »
Lake County $314,827 $605,525 view details »
Lassen County $314,827 $605,525 view details »
Los Angeles County $726,525 $1,397,400 view details »
Madera County $314,827 $605,525 view details »
Marin County $726,525 $1,397,400 view details »
Mariposa County $322,000 $619,250 view details »
Mendocino County $409,400 $787,300 view details »
Merced County $314,827 $605,525 view details »
Modoc County $314,827 $605,525 view details »
Mono County $529,000 $1,017,300 view details »
Monterey County $652,050 $1,253,950 view details »
Napa County $726,525 $1,397,400 view details »
Nevada County $486,450 $935,500 view details »
Orange County $726,525 $1,397,400 view details »
Placer County $552,000 $1,061,550 view details »
Plumas County $336,950 $648,000 view details »
Riverside County $431,250 $829,350 view details »
Sacramento County $552,000 $1,061,550 view details »
San Benito County $726,525 $1,397,400 view details »
San Bernardino County $431,250 $829,350 view details »
San Diego County $690,000 $1,326,950 view details »
San Francisco County $726,525 $1,397,400 view details »
San Joaquin County $425,500 $818,250 view details »
San Luis Obispo County $667,000 $1,282,700 view details »
San Mateo County $726,525 $1,397,400 view details »
Santa Barbara County $653,200 $1,256,150 view details »
Santa Clara County $726,525 $1,397,400 view details »
Santa Cruz County $726,525 $1,397,400 view details »
Shasta County $314,827 $605,525 view details »
Sierra County $314,827 $605,525 view details »
Siskiyou County $314,827 $605,525 view details »
Solano County $494,500 $950,950 view details »
Sonoma County $704,950 $1,355,700 view details »
Stanislaus County $350,750 $674,500 view details »
Sutter County $324,300 $623,650 view details »
Tehama County $314,827 $605,525 view details »
Trinity County $314,827 $605,525 view details »
Tulare County $314,827 $605,525 view details »
Tuolumne County $331,200 $636,900 view details »
Ventura County $713,000 $1,371,150 view details »
Yolo County $552,000 $1,061,550 view details »
Yuba County $324,300 $623,650 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 2019, the maximum loan limit in California is $314,827 for a single-family home and $1,397,400 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