California FHA Loan Limits

California FHA loan limits vary for each California County. The FHA Loan Limits are set by HUD, and they are recalculated on an annual basis.   The limits are based on a percentage calculation of the nationFHA loan limitsconforming loan limit.   The 1 unit (single family) limits are calculated by factoring in the median price value of homes within the specific county.

Depending on those limits, FHA’s minimum national loan limit “floor” is at 65% of the national conforming loan limit. The floor applies to those areas where 115% of the median home price is less than 65% of the national conforming loan limit.

On the higher end of the scale, any area where the loan limit exceeds the “floor” is considered a high cost area. The maximum FHA national loan limit “ceiling” is at 150% of the national conforming limit. In areas where 115% of the median home price (of the highest cost county) exceeds 150% of the conforming loan limit, the FHA loan limits remain at 150% of the conforming loan limit.

Areas are eligible for FHA loan limits above the national standard limit, and up to the national ceiling level, based on that particular area’s median area home prices.   Several California counties are considered high cost areas, and the loan limits in those counties are current set at the ceiling loan limit.

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California FHA Loan Limits by County

Alameda,$ 625000
Alpine,$ 463450
Amador,$ 417000
Butte,$ 417000
Calaveras,$ 417000
Colusa,$ 417000
Contra Costa,$ 625000
Del Norte,$ 417000
El Dorado,$ 474950
Fresno,$ 417000
Glenn,$ 417000
Humboldt,$ 417000
Imperial,$ 417000
Inyo,$ 417000
Kern,$ 417000
Kings,$ 417000
Lake,$ 417000
Lassen,$ 417000
Los Angeles,$ 625500
Madera,$ 417000
Marin,$ 625500
Mariposa,$ 417000
Mendocino,$ 417000
Merced,$ 417000
Modoc,$ 417000
Mono,$ 529000
Monterey,$ 483000
Napa,$ 592250
Nevada,$ 477250

Orange ,$ 625500
Placer,$ 474950
Plumas,$ 417000
Riverside,$ 417000
Sacramento,$ 474950
San Benito,$ 625500
San Bernardino,$ 417000
San Diego,$ 546250
San Francisco,$ 625500
San Joaquin,$ 417000
San Luis Obispo,$ 561200
San Mateo,$ 625500
Santa Barbara,$ 603750
Santa Clara,$ 625500
Santa Cruz,$ 625500
Shasta,$ 417000
Sierra,$ 417000
Siskiyou,$ 417000
Solano,$ 417000
Sonoma,$ 520950
Stanislaus,$ 417000
Sutter,$ 417000
Tehama,$ 417000
Trinity,$ 417000
Tulare,$ 417000
Tuolumne,$ 417000
Ventura,$ 598000
Yolo,$ 474950
Yuba,$ 417000