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 County | 1 Unit | 2 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 |
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.