2019 FHA Loan Limits in California

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Updated on Wednesday, April 3, 2019

You’re ready to buy a home in California (who isn’t?), but you need more information about Federal Housing Administration (FHA) loans. You know there are limits to how much you can buy using one, but you’re not quite sure of the details as they apply in California and to your specific situation. We’ll walk you through the details so you can confidently pursue your FHA loan.In California, the even weather, the beaches, forests and national parks and the proximity to the most amazing places (hello, Hawaii!) keep property costs sky-high — they’re some of the steepest in the country.

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The prices remain relatively high even in rural areas. You’ll have to abide by California’s FHA loan limits, which are $484,350 for a single-family home in a lower-priced area; or up to $726,525 in higher-priced areas like the San Francisco Bay Area. Each county has its own loan limits.

California FHA Loan Limits by County

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
ALAMEDA$726,525 $930,300 $1,124,475 $1,397,400 $1,403,000
ALPINE$463,450 $593,300 $717,150 $891,250 $273,000
AMADOR$350,750 $449,000 $542,750 $674,500 $305,000
BUTTE$314,827 $403,125 $487,250 $605,525 $258,000
CALAVERAS$373,750 $478,450 $578,350 $718,750 $275,000
COLUSA$314,827 $403,125 $487,250 $605,525 $249,000
CONTRA COSTA$726,525 $930,300 $1,124,475 $1,397,400 $1,403,000
DEL NORTE$314,827 $403,125 $487,250 $605,525 $180,000
EL DORADO$552,000 $706,650 $854,200 $1,061,550 $480,000
FRESNO$314,827 $403,125 $487,250 $605,525 $265,000
GLENN$314,827 $403,125 $487,250 $605,525 $205,000
HUMBOLDT$333,500 $426,950 $516,050 $641,350 $290,000
IMPERIAL$314,827 $403,125 $487,250 $605,525 $205,000
INYO$369,150 $472,550 $571,250 $709,900 $276,000
KERN$314,827 $403,125 $487,250 $605,525 $215,000
KINGS$314,827 $403,125 $487,250 $605,525 $225,000
LAKE$314,827 $403,125 $487,250 $605,525 $193,000
LASSEN$314,827 $403,125 $487,250 $605,525 $150,000
LOS ANGELES$726,525 $930,300 $1,124,475 $1,397,400 $790,000
MADERA$314,827 $403,125 $487,250 $605,525 $247,000
MARIN$726,525 $930,300 $1,124,475 $1,397,400 $1,403,000
MARIPOSA$322,000 $412,200 $498,250 $619,250 $240,000
MENDOCINO$409,400 $524,100 $633,500 $787,300 $356,000
MERCED$314,827 $403,125 $487,250 $605,525 $264,000
MODOC$314,827 $403,125 $487,250 $605,525 $84,000
MONO$529,000 $677,200 $818,600 $1,017,300 $389,000
MONTEREY$652,050 $834,750 $1,009,000 $1,253,950 $567,000
NAPA$726,525 $930,300 $1,124,475 $1,397,400 $660,000
NEVADA$486,450 $622,750 $752,750 $935,500 $423,000
ORANGE$726,525 $930,300 $1,124,475 $1,397,400 $790,000
PLACER$552,000 $706,650 $854,200 $1,061,550 $480,000
PLUMAS$336,950 $431,350 $521,400 $648,000 $230,000
RIVERSIDE$431,250 $552,050 $667,350 $829,350 $375,000
SACRAMENTO$552,000 $706,650 $854,200 $1,061,550 $480,000
SAN BENITO$726,525 $930,300 $1,124,475 $1,397,400 $1,225,000
SAN BERNARDINO$431,250 $552,050 $667,350 $829,350 $375,000
SAN DIEGO$690,000 $883,300 $1,067,750 $1,326,950 $600,000
SAN FRANCISCO$726,525 $930,300 $1,124,475 $1,397,400 $1,403,000
SAN JOAQUIN$425,500 $544,700 $658,450 $818,250 $370,000
SAN LUIS OBISPO$667,000 $853,900 $1,032,150 $1,282,700 $580,000
SAN MATEO$726,525 $930,300 $1,124,475 $1,397,400 $1,403,000
SANTA BARBARA$653,200 $836,200 $1,010,800 $1,256,150 $493,000
SANTA CLARA$726,525 $930,300 $1,124,475 $1,397,400 $1,225,000
SANTA CRUZ$726,525 $930,300 $1,124,475 $1,397,400 $785,000
SHASTA$314,827 $403,125 $487,250 $605,525 $245,000
SIERRA$314,827 $403,125 $487,250 $605,525 $186,000
SISKIYOU$314,827 $403,125 $487,250 $605,525 $155,000
SOLANO$494,500 $633,050 $765,200 $950,950 $430,000
SONOMA$704,950 $902,450 $1,090,850 $1,355,700 $613,000
STANISLAUS$350,750 $449,000 $542,750 $674,500 $305,000
SUTTER$324,300 $415,150 $501,800 $623,650 $282,000
TEHAMA$314,827 $403,125 $487,250 $605,525 $190,000
TRINITY$314,827 $403,125 $487,250 $605,525 $171,000
TULARE$314,827 $403,125 $487,250 $605,525 $220,000
TUOLUMNE$331,200 $424,000 $512,500 $636,900 $260,000
VENTURA$713,000 $912,750 $1,103,350 $1,371,150 $620,000
YOLO$552,000 $706,650 $854,200 $1,061,550 $480,000
YUBA$324,300 $415,150 $501,800 $623,650 $282,000

How are FHA loan limits determined?

FHA loan limits are designed for everyone — first-time homebuyers or anyone else who plans to use the home as a primary residence. They are for anyone who wants to buy a home but struggles with down payment.

The FHA sets the loan limits differently depending on where you’re buying property. Essentially, the U.S. Department of Housing and Urban Development (HUD) establishes a national loan limit (known as “the floor”) for one-unit properties in low-cost areas for the year — $314,827 for 2019 — which is 65% of the conforming loan limit for mortgages abiding by Fannie Mae and Freddie Mac guidelines. Because every area of the country is priced differently, this amount increased in more than 3,000 counties from 2018 to 2019.

The FHA insures these loans. In other words, the federal government guarantees the bank that it will pay your loan even if you stop making payments.

The good news is that your credit score doesn’t have to be as high to qualify for an FHA loan. It can be as low as 500, compared with traditional loan programs that tend to require a minimum of 620. You can also put less money down for your home, as little as 3.5% if your credit score is 600 or higher, or 10% if it’s between 500 to 579.

But be aware that FHA loans do require you to have mortgage insurance, so they are protected against defaults. For example, if you have a 30-year mortgage for less than $625,000, your insurance premium would be 0.85% of the base loan amount annually, and you’d also have to pay an upfront mortgage insurance premium of 1.75% of the base loan.

Do you qualify for an FHA loan in California?

There are no income requirements, but you need enough income to be able to pay back your mortgage. The lender will examine your financials, so you’ll need to supply two months of bank statements, your most recent monthly pay stub, the last two years of W-2s, two years of tax returns and a gift letter if you’re using gifted funds.

You’ll have to show that your debt-to-income (DTI) ratio isn’t higher than 43%. The FHA doesn’t issue the loans, so you’ll have to find a private lender. You’ll also still need to save for that down payment: Even if you only have to put down 3.5%, this could be a sizable amount in California, where many of the homes can top $1 million. Fortunately, the FHA loan also offers a seller’s credit so that the seller can credit you up to 6% of closing or down-payment costs during an FHA transaction. Need more information? We have all the details here.