California FHA Loan Limits | 2020
What are FHA Loan Limits in California?
FHA loans are a low down payment mortgage program and California FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in California vary across the state with nearly every county having a limit that’s above the floor of $275,665.
California FHA Loan Limits Search:
County Name | Area | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|---|
| ALAMEDA | SAN FRANCISCO-OAKLAND-BERKELEY, CA | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| ALPINE | NON-METRO | $463,450 | $593,300 | $717,150 | $891,250 |
| AMADOR | NON-METRO | $355,350 | $454,900 | $549,850 | $683,350 |
| BUTTE | CHICO, CA | $331,760 | $424,800 | $513,450 | $638,100 |
| CALAVERAS | NON-METRO | $373,750 | $478,450 | $578,350 | $718,750 |
| COLUSA | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| CONTRA COSTA | SAN FRANCISCO-OAKLAND-BERKELEY, CA | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| DEL NORTE | CRESCENT CITY, CA | $331,760 | $424,800 | $513,450 | $638,100 |
| EL DORADO | SACRAMENTO-ROSEVILLE-FOLSOM, CA | $569,250 | $728,750 | $880,900 | $1,094,700 |
| FRESNO | FRESNO, CA | $331,760 | $424,800 | $513,450 | $638,100 |
| GLENN | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| HUMBOLDT | EUREKA-ARCATA, CA | $345,000 | $441,650 | $533,850 | $663,450 |
| IMPERIAL | EL CENTRO, CA | $331,760 | $424,800 | $513,450 | $638,100 |
| INYO | NON-METRO | $373,750 | $478,450 | $578,350 | $718,750 |
| KERN | BAKERSFIELD, CA | $331,760 | $424,800 | $513,450 | $638,100 |
| KINGS | HANFORD-CORCORAN, CA | $331,760 | $424,800 | $513,450 | $638,100 |
| LAKE | CLEARLAKE, CA | $331,760 | $424,800 | $513,450 | $638,100 |
| LASSEN | SUSANVILLE, CA | $331,760 | $424,800 | $513,450 | $638,100 |
| LOS ANGELES | LOS ANGELES-LONG BEACH-ANAHEIM, CA | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| MADERA | MADERA, CA | $331,760 | $424,800 | $513,450 | $638,100 |
| MARIN | SAN FRANCISCO-OAKLAND-BERKELEY, CA | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| MARIPOSA | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| MENDOCINO | UKIAH, CA | $409,400 | $524,100 | $633,500 | $787,300 |
| MERCED | MERCED, CA | $331,760 | $424,800 | $513,450 | $638,100 |
| MODOC | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| MONO | NON-METRO | $529,000 | $677,200 | $818,600 | $1,017,300 |
| MONTEREY | SALINAS, CA | $672,750 | $861,250 | $1,041,050 | $1,293,750 |
| NAPA | NAPA, CA | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| NEVADA | TRUCKEE-GRASS VALLEY, CA | $486,450 | $622,750 | $752,750 | $935,500 |
| ORANGE | LOS ANGELES-LONG BEACH-ANAHEIM, CA | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| PLACER | SACRAMENTO-ROSEVILLE-FOLSOM, CA | $569,250 | $728,750 | $880,900 | $1,094,700 |
| PLUMAS | NON-METRO | $336,950 | $431,350 | $521,400 | $648,000 |
| RIVERSIDE | RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | $442,750 | $566,800 | $685,100 | $851,450 |
| SACRAMENTO | SACRAMENTO-ROSEVILLE-FOLSOM, CA | $569,250 | $728,750 | $880,900 | $1,094,700 |
| SAN BENITO | SAN JOSE-SUNNYVALE-SANTA CLARA, CA | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| SAN BERNARDINO | RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | $442,750 | $566,800 | $685,100 | $851,450 |
| SAN DIEGO | SAN DIEGO-CHULA VISTA-CARLSBAD, CA | $701,500 | $898,050 | $1,085,550 | $1,349,050 |
| SAN FRANCISCO | SAN FRANCISCO-OAKLAND-BERKELEY, CA | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| SAN JOAQUIN | STOCKTON, CA | $448,500 | $574,150 | $694,000 | $862,500 |
| SAN LUIS OBISPO | SAN LUIS OBISPO-PASO ROBLES, CA | $690,000 | $883,300 | $1,067,750 | $1,326,950 |
| SAN MATEO | SAN FRANCISCO-OAKLAND-BERKELEY, CA | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| SANTA BARBARA | SANTA MARIA-SANTA BARBARA, CA | $653,200 | $836,200 | $1,010,800 | $1,256,150 |
| SANTA CLARA | SAN JOSE-SUNNYVALE-SANTA CLARA, CA | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| SANTA CRUZ | SANTA CRUZ-WATSONVILLE, CA | $765,600 | $980,325 | $1,184,925 | $1,472,550 |
| SHASTA | REDDING, CA | $331,760 | $424,800 | $513,450 | $638,100 |
| SIERRA | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| SISKIYOU | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| SOLANO | VALLEJO, CA | $506,000 | $647,750 | $783,000 | $973,100 |
| SONOMA | SANTA ROSA-PETALUMA, CA | $704,950 | $902,450 | $1,090,850 | $1,355,700 |
| STANISLAUS | MODESTO, CA | $365,700 | $468,150 | $565,900 | $703,250 |
| SUTTER | YUBA CITY, CA | $345,000 | $441,650 | $533,850 | $663,450 |
| TEHAMA | RED BLUFF, CA | $331,760 | $424,800 | $513,450 | $638,100 |
| TRINITY | NON-METRO | $331,760 | $424,800 | $513,450 | $638,100 |
| TULARE | VISALIA, CA | $331,760 | $424,800 | $513,450 | $638,100 |
| TUOLUMNE | SONORA, CA | $331,760 | $424,800 | $513,450 | $638,100 |
| VENTURA | OXNARD-THOUSAND OAKS-VENTURA, CA | $713,000 | $912,750 | $1,103,350 | $1,371,150 |
| YOLO | SACRAMENTO-ROSEVILLE-FOLSOM, CA | $569,250 | $728,750 | $880,900 | $1,094,700 |
| YUBA | YUBA CITY, CA | $345,000 | $441,650 | $533,850 | $663,450 |
California FHA loan limits can change at any time. Check back often to ensure accurate information.
How are California FHA Limits Set?
Mortgage limits for California FHA loans are based on median housing prices for the particular county and Metropolitan Statistical Area (MSA). More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low cost areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.
CA FHA Loan-to-Value Limits (LTV)
- Purchase Loans – The mortgage loan-to-value limit in CA is 96.5% of the lower of the purchase price or the appraised value of the home.
- Refinance Loans – The refinance loan-to-value limit in CA is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.
California FHA loan limits are set above $275,665 in the areas of Los Angeles, San Francisco, San Francisco, San Jose, Oakland, Fresno, Sacramento, Long Beach, Bakersfield, Santa Ana and more. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:
More FHA Loan Resources
- FHA Loan Limits for all 50 states
- Conforming Loan Limits for all 50 states
- Check Your FHA Loan Eligibility
- Determine Your FHA Mortgage Payment Amount
- Check Current FHA Mortgage Rates
- FHA Loan Requirements
- Understanding FHA Mortgage Insurance
- FHA Payment Calculator
- FHA Mortgage Insurance Calculator
- FHA Upfront MIP Calculator
- FHA Refinance Loans
- FHA Streamline Refinance
- FHA Cash-Out Refinance
- Other Mortgage Options
- Ask an FHA Mortgage Question
- FHA Mortgage Rates
Cities in CA that are eligible for FHA loans are listed below:
Los Angeles, Roseville, Santa Clara, Vallejo, El Monte, Victorville, Berkley, Downey, Inglewood, Costa Mesa, San Francisco, Hayward, Orange, Pasadena, Sunnyvale, Simi Valley, Visalia, San Diego, Santa Clarita, Santa Rosa, Garden Grove, Ontario, San Jose, Sacramento, Fresno, Long Beach, Oakland, Bakersfield, Santa Ana, Anaheim, Norwalk, Carlsbad, Fairfield, Richmond, Murrieta, Burbank, Riverside, Stockton, Chula Vista, Fremont, Irvine, San Bernardino, Modesto, Oxnard, Fontana, Moreno Valley, Glendale, South Gate, Vacaville, Mission Viejo, Vista, Newport Beach, Chico, Whittier, San Leandro, Hawthorne, San Marcos, Redding, Hesperia, Huntington Beach, Oceanside, Rancho Cucamonga, Palmdale, Elk Grove, Lancaster, Corona, Salinas, Torrance, Pomona, Escondido, Thousand Oaks, Fullerton, Concord, West Covina, Antioch, Daly City, Temecula, Santa Maria, El Cajon, Rialto, San Mateo, Compton, Clovis, Carson, Santa Barbara, Westminster, Santa Monica, Citrus Heights, Alhambra, Tracy, Livermore, Buena Park, Lakewood, Merced, Hemet, Chino, Menifee, Lake Forrest, and Napa.
