California FHA Loan Limits 2019: All 58 Counties

Related: View conforming limits for California

The table below shows the 2019 FHA loan limits for all counties in California. These limits apply to mortgage loans that are insured by the Federal Housing Administration (FHA), which is part of HUD. This government backing makes them different from conventional or “regular” home loans.

2019 FHA Loan Limits for California Counties

Note: The California FHA loan limits shown below apply to single-family homes. You can find the caps for multifamily properties (such as duplexes) by visiting https://entp.hud.gov/idapp/html/hicost1.cfm. 

California CountyFHA Loan Limit
Alameda$726,525
Alpine$463,450
Amador$350,750
Butte$314,827
Calaveras$373,750
Colusa$314,827
Contra Costa$726,525
Del Norte$314,827
El Dorado$552,000
Fresno$314,827
Glenn$314,827
Humboldt$333,500
Imperial$314,827
Inyo$369,150
Kern$314,827
Kings$314,927
Lake$314,927
Lassen$314,927
Los Angeles$726,525
Madera$314,927
Marin$726,525
Mariposa$322,000
Mendocino$409,400
Merced$314,827
Modoc$314,827
Mono$529,000
Monterey$652,050
Napa$726,525
Nevada$486,450
Orange$726,525
Placer$552,000
Plumas$336,950
Riverside$431,250
Sacramento$552,000
San Benito$726,525
San Bernardino$431,250
San Diego$690,000
San Francisco$726,525
San Joaquin$425,500
San Luis Obispo$667,000
San Mateo$726,525
Santa Barbara$653,200
Santa Clara$726,525
Santa Cruz$726,525
Shasta$314,827
Sierra$314,827
Siskiyou$314,827
Solano$494,500
Sonoma$704,950
Stanislaus$350,750
Sutter$324,300
Tehama$314,827
Trinity$314,827
Tulare$314,827
Tuolumne$331,200
Ventura$713,000
Yolo$552,000
Yuba$324,300

Minimum Loan Requirements and Other Information

Do you have questions about FHA loan requirements in California? Keep reading. Here’s an overview of the minimum requirements and criteria for borrowers who are seeking an FHA-insured mortgage loan in California:

Down payment: Home buyers who want to use an FHA loan to buy a house anywhere in the state must put down at least 3.5% of the purchase price or appraised value (whichever is less).

Credit scores: Borrowers must have a credit score of at least 500 to participate in this program. A score of 580 or higher is necessary to be eligible for the 3.5% down payment mentioned above. Borrowers with scores between 500 and 579 must put down at least 10%. (Note: Those are the official HUD credit-score requirements for California FHA loans. Mortgage lenders can impose their own criteria as well.)

Debt ratios: HUD also has requirements and limits for the borrower’s debt-to-income ratio. But these criteria are a bit more relaxed, compared to the down payment and credit score requirements above. The maximum debt-to-income ratio for most California FHA loan borrowers is 43%. But it can be as high as 50% for some borrowers, if there are compensating factors to offset the higher debt level.

This is just a basic overview of California FHA loan requirements, limits and criteria. To learn more about this unique mortgage program, we recommend visiting FHAhandbook.com.