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California FHA Loan Limits by County
2023

To qualify for your home financing with an FHA loan, you’ll need to keep your loan amount within the loan limit for the county where the property is located.

If you currently live in Napa county, but will be purchasing a home in Sonoma county, you will need to stay within the loan limits for Sonoma county.

This means your loan cannot exceed the amounts listed in the chart below, depending on your location, and which type of property you’re buying.

Keep in mind these are loan limits, not maximum purchase price limits. 

Your purchase price will include a down payment.  Your down payment plus your loan amount will equal the price you’ve agreed to pay the seller.

FHA loan limits differ from conventional loan limits.  FHA loan limits are often lower.  If you need more flexibility or purchasing power, you can see conventional loan limits by visiting the conventional loan limit page.

County Name

One Unit (SFR/Condo)

Two Unit (Duplex)

Three Unit (Triplex)

Four Unit (4-Plex)

Alameda

$1,089,300

$1,394,775

$1,685,850

$2,095,200

Alpine

$497,950

$637,450

$770,550

$957,600

Amador

$472,030

$604,400

$730,525

$907,900

Butte

$472,030

$604,400

$730,525

$907,900

Calaveras

$472,030

$604,400

$730,525

$907,900

Colusa

$472,030

$604,400

$730,525

$907,900

Contra Costa

$1,089,300

$1,394,775

$1,685,850

$2,095,200

Del Norte

$472,030

$604,400

$730,525

$907,900

El Dorado

$763,600

$977,550

$1,181,650

$1,468,500

Fresno

$472,030

$604,400

$730,525

$907,900

Glenn

$472,030

$604,400

$730,525

$907,900

Humboldt

$472,030

$604,400

$730,525

$907,900

Imperial

$472,030

$604,400

$730,525

$907,900

Inyo

$508,300

$650,700

$786,550

$977,500

Kern

$472,030

$604,400

$730,525

$907,900

Kings

$472,030

$604,400

$730,525

$907,900

Lake

$472,030

$604,400

$730,525

$907,900

Lassen

$472,030

$604,400

$730,525

$907,900

Los Angeles

$1,089,300

$1,394,775

$1,685,850

$2,095,200

Madera

$472,030

$604,400

$730,525

$907,900

Marin

$1,089,300

$1,394,775

$1,685,850

$2,095,200

Mariposa

$472,030

$604,400

$730,525

$907,900

Mendocino

$546,250

$699,300

$845,300

$1,050,500

Merced

$472,030

$604,400

$730,525

$907,900

Modoc

$472,030

$604,400

$730,525

$907,900

Mono

$693,450

$887,750

$1,073,100

$1,333,600

Monterey

$915,400

$1,171,900

$1,416,550

$1,760,400

Napa

$1,017,750

$1,302,900

$1,574,900

$1,957,250

Nevada

$644,000

$824,450

$996,550

$1,238,500

Orange

$1,089,300

$1,394,775

$1,685,850

$2,095,200

Placer

$763,600

$977,550

$1,181,650

$1,468,500

Plumas

$472,030

$604,400

$730,525

$907,900

Riverside

$644,000

$824,450

$996,550

$1,238,500

Sacramento

$763,600

$977,550

$1,181,650

$1,468,500

San Benito

$1,089,300

$1,394,775

$1,685,850

$2,095,200

San Bernardino

$644,000

$824,450

$996,550

$1,238,500

San Diego

$977,500

$1,251,400

$1,512,650

$1,879,850

San Francisco

$1,089,300

$1,394,775

$1,685,850

$2,095,200

San Joaquin

$656,650

$840,650

$1,016,150

$1,262,800

San Luis Obispo

$911,950

$1,167,450

$1,411,200

$1,753,800

San Mateo

$1,089,300

$1,394,775

$1,685,850

$2,095,200

Santa Barbara

$805,000

$1,030,550

$1,245,700

$1,548,100

Santa Clara

$1,089,300

$1,394,775

$1,685,850

$2,095,200

Santa Cruz

$1,089,300

$1,394,775

$1,685,850

$2,095,200

Shasta

$472,030

$604,400

$730,525

$907,900

Sierra

$472,030

$604,400

$730,525

$907,900

Siskiyou

$472,030

$604,400

$730,525

$907,900

Solano

$685,400

$877,450

$1,060,600

$1,318,100

Sonoma

$861,350

$1,102,700

$1,332,900

$1,656,450

Stanislaus

$517,500

$662,500

$800,800

$995,200

Sutter

$488,750

$625,700

$756,300

$939,900

Tehama

$472,030

$604,400

$730,525

$907,900

Trinity

$472,030

$604,400

$730,525

$907,900

Tulare

$472,030

$604,400

$730,525

$907,900

Tuolumne

$472,030

$604,400

$730,525

$907,900

Ventura

$948,750

$1,214,600

$1,468,150

$1,824,550

Yolo

$763,600

$977,550

$1,181,650

$1,468,500

Yuba

$488,750

$625,700

$756,300

$939,900