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

1 Unit

2 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

Over the FHA limit?

If the home you are considering is over the FHA limit and you don't have funds to cover the difference as a down payment, please consider a Convention loan. See my California Conforming loan limit page for those higher limits. Consider talking to me about your options.

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.

About Scott Buehler

Scott Buehler Your Mortgage Consultant

Welcome to an exceptional home buying experience with Scott Buehler, a Senior Mortgage Consultant, by your side. I'm a proud father of three, a homeowner, hiker, biker, writer and love being around water (my zen place).

My goal is to be your Loan Officer for life. I'm here to help you finance your first home and every loan after. It is my hope this website and all guides establish me as your go-to professional for you, your family, friends, neighbors and everyone in-between.

Disclaimer

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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