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California FHA Loan Limits 2023

An annually updated page showing California FHA loan limits by county.

What is an FHA loan limit? The FHA has a maximum loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually, and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac.

Looking for California conforming loan limits for 2023?

California 2023 FHA Loan Limits by County

Below you will find a table that is sorted alphabetically by California county.

1-Unit - Likely a single-family home, these limits are for the majority of homes purchased in California.

2-Unit - Commonly known as a duplex, if you are purchasing a property that has two units under a single structure, then follow the 2-unit loan limit column.

3-4-Unit conforming limits are available upon request. This wasn't provided to improve the mobile experience.

A note about these California FHA loan limits:

These are FHA loan limits. You are able to purchase a property over these limits with your down payment. If you qualify for the max loan limit but was to buy a property that is $40,000 over the limit, it's possible with a $40,000 minimum down payment or consider the Conventional loan which has higher California Conforming loan limits available.

Example loan scenario: You want to buy a single-family home in San Diego, California which is in San Diego County. San Diego County has a FHA loan limit of $977,500 for a single-family residence. You could purchase a home for $1,012,953 with the minimum FHA down payment and you'd be within the FHA loan limit.

California County Conforming Limits Table

California County1 Unit2 Units
Alameda$1,089,300$1,394,775
Alpine$497,950$637,450
Amador$472,030$604,400
Butte$472,030$604,400
Calaveras$472,030$604,400
Colusa$472,030$604,400
Contra Costa$1,089,300$1,394,775
Del Norte$472,030$604,400
El Dorado$763,600$977,550
Fresno$472,030$604,400
Glenn$472,030$604,400
Humboldt$472,030$604,400
Imperial$472,030$604,400
Inyo$508,300$650,700
Kern$472,030$604,400
Kings$472,030$604,400
Lake$472,030$604,400
Lassen$472,030$604,400
Los Angeles$1,089,300$1,394,775
Madera$472,030$604,400
Marin$1,089,300$1,394,775
Mariposa$472,030$604,400
Mendocino$546,250$699,300
Merced$472,030$604,400
Modoc$472,030$604,400
Mono$693,450$887,750
Monterey$915,400$1,171,900
Napa$1,017,750$1,302,900
Nevada$644,000$824,450
Orange$1,089,300$1,394,775
Placer$763,600$977,550
Plumas$472,030$604,400
Riverside$644,000$824,450
Sacramento$763,600$977,550
San Benito$1,089,300$1,394,775
San Bernardino$644,000$824,450
San Diego$977,500$1,251,400
San Francisco$1,089,300$1,394,775
San Joaquin$656,650$840,650
San Luis Obispo$911,950$1,167,450
San Mateo$1,089,300$1,394,775
Santa Barbara$805,000$1,030,550
Santa Clara$1,089,300$1,394,775
Santa Cruz$1,089,300$1,394,775
Shasta$472,030$604,400
Sierra$472,030$604,400
Siskiyou$472,030$604,400
Solano$685,400$877,450
Sonoma$861,350$1,102,700
Stanislaus$517,500$662,500
Sutter$488,750$625,700
Tehama$472,030$604,400
Trinity$472,030$604,400
Tulare$472,030$604,400
Tuolumne$472,030$604,400
Ventura$948,750$1,214,600
Yolo$763,600$977,550
Yuba$488,750$625,700

Are you currently home shopping? If you are currently home shopping in California but haven't spoken to a home loan lender about the home loan process, consider Scott Buehler as your Loan Officer! Whether you are a first-time or experienced homebuyer, Scott Buehler would be thrilled to be by your side throughout the home purchase process!

Begin your 60-second questionnaire to get started! Scott will happily guide you through the process, issue you a prequalification letter to your real estate agent after a loan review and help you with your home loan options.

Important Disclaimers

The content on this page provides general consumer information. It is not legal advice or regulatory guidance. Scott Buehler updates this information periodically. This information may include links or references to third-party resources or content. Scott Buehler or Guild Mortgage does not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that may also serve your needs. Guild Mortgage does not offer real estate services. Contact a licensed Real Estate Agent for real estate information. Guild Mortgage does not provide credit repair services. Guild Mortgage does not offer tax services. Contact your tax preparer for advice on your personal or business taxes.
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