FHA Loan Limits California

FHA loan limits vary for each California County. The FHA Loan Limits are set by HUD, and they are recalculated on an annual basis.   The limits are based on a percentage calculation of the nation FHA loan limitsconforming loan limit.   The 1 unit (single family) limits are calculated by factoring in the median price value of homes within the specific county.

Depending on those limits, FHA’s minimum national loan limit “floor” is at 65% of the national conforming loan limit. The floor applies to those areas where 115% of the median home price is less than 65% of the national conforming loan limit.

On the higher end of the scale, any area where the loan limit exceeds the “floor” is considered a high cost area. The maximum FHA national loan limit “ceiling” is at 150% of the national conforming limit. In areas where 115% of the median home price (of the highest cost county) exceeds 150% of the conforming loan limit, the FHA loan limits remain at 150% of the conforming loan limit.

Areas are eligible for FHA loan limits above the national standard limit, and up to the national ceiling level, based on that particular area’s median area home prices.   Several California counties are considered high cost areas, and the loan limits in those counties are current set at the ceiling loan limit.

 

County,FHA Loan Limit

Alameda,$ 625000
Orange ,$ 625500
Alpine,$ 463450
Placer,$ 474950
Amador,$ 417000
Plumas,$ 417000
Butte,$ 417000
Riverside,$ 417000
Calaveras,$ 417000
Sacramento,$ 474950
Colusa,$ 417000
San Benito,$ 625500
Contra Costa,$ 625000
San Bernardino,$ 417000
Del Norte,$ 417000
San Diego,$ 546250
El Dorado,$ 474950
San Francisco,$ 625500
Fresno,$ 417000
San Joaquin,$ 417000
Glenn,$ 417000
San Luis Obispo,$ 561200
Humboldt,$ 417000
San Mateo,$ 625500
Imperial,$ 417000
Santa Barbara,$ 603750
Inyo,$ 417000
Santa Clara,$ 625500
Kern,$ 417000
Santa Cruz,$ 625500
Kings,$ 417000
Shasta,$ 417000
Lake,$ 417000
Sierra,$ 417000
Lassen,$ 417000
Siskiyou,$ 417000
Los Angeles,$ 625500
Solano,$ 417000
Madera,$ 417000
Sonoma,$ 520950
Marin,$ 625500
Stanislaus,$ 417000
Mariposa,$ 417000
Sutter,$ 417000
Mendocino,$ 417000
Tehama,$ 417000
Merced,$ 417000
Trinity,$ 417000
Modoc,$ 417000
Tulare,$ 417000
Mono,$ 529000
Tuolumne,$ 417000
Monterey,$ 483000
Ventura,$ 598000
Napa,$ 592250
Yolo,$ 474950
Nevada,$ 477250
Yuba,$ 417000

 

HUD Website

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