San Francisco County, CA FHA Loan Limits
Local Loan Limits — San Francisco County, CA
Loan Limit Summary
Limits for FHA Loans in San Francisco County, California range from $726,525 for 1 living-unit homes to $1,397,400 for 4 living-units. Conventional Loan Limits in San Francisco County are $726,525 for 1 living-unit homes to $1,397,400 for 4 living-units. The 2019 Home Equity Conversion Mortgage (HECM) limits in San Francisco County is $726,525. HECM limit does not depend on the size of the home.
FHA and conventional Loan limits vary based on the number of living-units on the property. FHA loans are only allowed on 1 to 4 living-unit properties. San Francisco County has high cost limits to compensate for above average housing prices. Limits in San Francisco County are above the 2019 national floor.
FHA Home Appraisal in San Francisco County
To see if a home qualifies for an FHA loan, the property must be appraised by an approved FHA appraiser. Find FHA-approved appraisers in San Francisco County. If you need a home inspector, click here to find FHA-approved inspectors in San Francisco County.
VA Loan Limits in San Francisco County
VA Loans are not insured the same way FHA loans are. With VA loans the Department of Veterans Affairs guarantees the loan on the veteran's behalf. But there is still a cap. The VA uses the 1 living-unit FHA Loan Limit as its cap on VA Loan Liability. The 2019 VA Loan Limit for San Francisco County, CA is $726,525.
How to qualify for an FHA Loan in San Francisco County, California?
The minimum loan amount in San Francisco County is $5,000 dollars and may go up to $1,397,400 depending on home size and loan type. In order to qualify for an FHA loan, you must be planning to live in the home. Although a loan can include some renovation costs, FHA loans cannot be used for real estate investments in San Francisco County.
Additionally, your loan amount cannot exceed the value of home you are purchasing. Learn more about FHA Loan Requirements.
Cities and ZIP Codes in San Francisco County
The FHA Limits, HECM Loan Limits, and Conforming Loan Limits listed on this page apply to San Francisco County which includes the following cities: and San Francisco.
San Francisco County loan limits also apply to the following ZIP codes: 94112, 94110, 94122, 94109, 94116, 94121, 94134, 94118, 94117, 94114, 94124, 94115, 94131, 94133, 94107, 94132, 94123, 94127, 94102, 94103, 94108, 94105, 94111, 94158, 94129, 94104, 94119, 94130, 94142, 94188, 94140, 94147, 94159, 94126, 94164, 94141, 94125, 94172, 94143, 94144, 94145, 94120, 94146, 94137, and 94139.