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California FHA Loan Limits 2022

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.

California 2022 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 $879,750 for a single family residence. You could purchase a home for $911,658 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$970,800$1,243,050
Alpine$463,450$593,300
Amador$420,680$538,650
Butte$420,680$538,650
Calaveras$420,680$538,650
Colusa$420,680$538,650
Contra Costa$970,800$1,243,050
Del Norte$420,680$538,650
El Dorado$675,050$864,200
Fresno$420,680$538,650
Glenn$420,680$538,650
Humboldt$420,680$538,650
Imperial$420,680$538,650
Inyo$431,250$552,050
Kern$420,680$538,650
Kings$420,680$538,650
Lake$420,680$538,650
Lassen$420,680$538,650
Los Angeles$970,800$1,243,050
Madera$420,680$538,650
Marin$970,800$1,243,050
Mariposa$420,680$538,650
Mendocino$506,000$647,750
Merced$420,680$538,650
Modoc$420,680$538,650
Mono$563,500$721,400
Monterey$854,450$1,093,850
Napa$897,000$1,148,350
Nevada$609,500$780,250
Orange$970,800$1,243,050
Placer$675,050$864,200
Plumas$420,680$538,650
Riverside$562,350$719,900
Sacramento$675,050$864,200
San Benito$970,800$1,243,050
San Bernardino$562,350$719,900
San Diego$879,750$1,126,250
San Francisco$970,800$1,243,050
San Joaquin$563,500$721,400
San Luis Obispo$805,000$1,030,550
San Mateo$970,800$1,243,050
Santa Barbara$783,150$1,002,600
Santa Clara$970,800$1,243,050
Santa Cruz$970,800$1,243,050
Shasta$420,680$538,650
Sierra$420,680$538,650
Siskiyou$420,680$538,650
Solano$614,100$786,150
Sonoma$764,750$979,000
Stanislaus$460,000$588,850
Sutter$420,900$538,800
Tehama$420,680$538,650
Trinity$420,680$538,650
Tulare$420,680$538,650
Tuolumne$420,680$538,650
Ventura$851,000$1,089,450
Yolo$675,050$864,200
Yuba$420,900$538,800

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 Veritas Funding 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. Veritas Funding does not offer real estate services. Contact a licensed Real Estate Agent for real estate information. Veritas Funding does not provide credit repair services. Veritas Funding does not offer tax services. Contact your tax preparer for advice on your personal or business taxes.
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