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California FHA Loan Limits 2024

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 2024?

California 2024 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$1,149,825$1,472,250
Alpine$503,700$644,800
Amador$498,257$637,950
Butte$498,257$637,950
Calaveras$498,257$637,950
Colusa$498,257$637,950
Contra Costa$1,149,825$1,472,250
Del Norte$498,257$637,950
El Dorado$763,600$977,550
Fresno$498,257$637,950
Glenn$498,257$637,950
Humboldt$498,257$637,950
Imperial$498,257$637,950
Inyo$508,300$650,700
Kern$498,257$637,950
Kings$498,257$637,950
Lake$498,257$637,950
Lassen$498,257$637,950
Los Angeles$1,149,825$1,472,250
Madera$498,257$637,950
Marin$1,149,825$1,472,250
Mariposa$498,257$637,950
Mendocino$546,250$699,300
Merced$498,257$637,950
Modoc$498,257$637,950
Mono$693,450$887,750
Monterey$920,000$1,171,900
Napa$1,017,750$1,302,900
Nevada$644,000$824,450
Orange$1,149,825$1,472,250
Placer$763,600$977,550
Plumas$498,257$637,950
Riverside$644,000$824,450
Sacramento$763,600$977,550
San Benito$1,149,825$1,472,250
San Bernardino$644,000$824,450
San Diego$1,006,250$1,288,200
San Francisco$1,149,825$1,472,250
San Joaquin$656,650$840,650
San Luis Obispo$929,200$1,189,550
San Mateo$1,149,825$1,472,250
Santa Barbara$838,350$1,073,250
Santa Clara$1,149,825$1,472,250
Santa Cruz$1,149,825$1,472,250
Shasta$498,257$637,950
Sierra$498,257$637,950
Siskiyou$498,257$637,950
Solano$685,400$877,450
Sonoma$877,450$1,123,300
Stanislaus$517,500$662,500
Sutter$498,257$637,950
Tehama$498,257$637,950
Trinity$498,257$637,950
Tulare$498,257$637,950
Tuolumne$498,257$637,950
Ventura$954,500$1,221,950
Yolo$763,600$977,550
Yuba$498,257$637,950

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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