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FHA Mortgage Rates

  • Fixed Mortgage Rates 3.20% APR
  • Lower Refinance Rates, 15yr Fixed
  • (3.20% APR)
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    Mortgage Refinance rates in Virginia

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    Updated 3/28/2017

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    The Lender Showcase™ is an advertising forum where lenders display their best and most competitive mortgage rates and other loan programs. HSH does NOT make loans. Visit our other Lender Showcase

    The loan amounts for Federal Housing Administration ( FHA) mortgages -- known by lenders as 203(b)mortgages (one- to four-family owner-occupied properties) -- vary according to whether or not you're in a "high cost" area.

    In fact, the loan limits are actually set buy a formula, based upon the median home price in each county. With more liberal qualification and downpayment rules, an FHA-backed loan might be a perfect fit for your circumstance. You can find FHA loan limit at https://entp.hud.gov/idapp/html/hicostlook.cfm

    Choose the state where you plan to purchase or refinance.

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    Arkansas Maine Oklahoma
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    D.C. Mississippi S. Dakota
    Delaware Missouri Tennessee
    Florida Montana Texas
    Georgia Nebraska Utah
    Hawaii Nevada Vermont
    Iowa New Hampshire Virginia
    Idaho New Mexico Washington
    Illinois New Jersey West Virginia
    Indiana New York Wisconsin
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    Lenders: learn how you can join this Showcase and get more business. Or use our secure form to get online today!

    FHA loan limits for California

    FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

    For California, 47 counties have a FHA loan limit that ranges from $271,050 to $598,000. The remaining 11 counties are at $625,500. FHA and VA offer higher conforming loan limits in some counties.

    As of January 1, 2014, HUD approves new lower loan limits to take effect for FHA single-family loans. The current standard loan limit for areas where housing costs are relatively low will remain unchanged at $271,050. The new national-ceiling loan limit for the very highest cost areas will be reduced from $729,750 to $625,500. See the chart below for loan limits in your county.

    County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
    Alameda $625,500 $800,775 $967,950 $1,202,925 $840,000
    Alpine $463,450 $593,300 $717,150 $891,250 $245,000
    Amador $332,350 $425,450 $514,300 $639,150 $195,000
    Butte $293,250 $375,400 $453,750 $563,950 $175,000
    Calaveras $373,750 $478,450 $578,350 $718,750 $198,000
    Colusa $271,050 $347,000 $419,425 $521,250 $140,000
    Contra Costa $625,500 $800,775 $967,950 $1,202,925 $840,000
    Del Norte $271,050 $347,000 $419,425 $521,250 $130,000
    El Dorado $474,950 $608,000 $734,950 $913,350 $350,000
    Fresno $281,750 $360,700 $436,000 $541,800 $189,000
    Glenn $271,050 $347,000 $419,425 $521,250 $130,000
    Humboldt $327,750 $419,550 $507,150 $630,300 $230,000
    Imperial $271,050 $347,000 $419,425 $521,250 $131,000
    Inyo $369,150 $472,550 $571,250 $709,900 $270,000
    Kern $271,050 $347,000 $419,425 $521,250 $169,000
    Kings $271,050 $347,000 $419,425 $521,250 $150,000
    Lake $271,050 $347,000 $419,425 $521,250 $120,000
    Lassen $271,050 $347,000 $419,425 $521,250 $125,000
    Los Angeles $625,500 $800,775 $967,950 $1,202,925 $550,000
    Madera $271,050 $347,000 $419,425 $521,250 $163,000
    Marin $625,500 $800,775 $967,950 $1,202,925 $840,000
    Mariposa $322,000 $412,200 $498,250 $619,250 $180,000
    Mendocino $373,750 $478,450 $578,350 $718,750 $269,000
    Merced $271,050 $347,000 $419,425 $521,250 $150,000
    Modoc $271,050 $347,000 $419,425 $521,250 $75,000
    Mono $529,000 $677,200 $818,600 $1,017,300 $283,000
    Monterey $483,000 $618,300 $747,400 $928,850 $400,000
    Napa $592,250 $758,200 $916,450 $1,138,950 $460,000
    Nevada $477,250 $610,950 $738,500 $917,800 $325,000
    Orange $625,500 $800,775 $967,950 $1,202,925 $550,000
    Placer $474,950 $608,000 $734,950 $913,350 $350,000
    Plumas $336,950 $431,350 $521,400 $648,000 $170,000
    Riverside $355,350 $454,900 $549,850 $683,350 $252,000
    Sacramento $474,950 $608,000 $734,950 $913,350 $350,000
    San Benito $625,500 $800,775 $967,950 $1,202,925 $662,000
    San Bernardino $355,350 $454,900 $549,850 $683,350 $252,000
    San Diego $546,250 $699,300 $845,300 $1,050,500 $422,000
    San Francisco $625,500 $800,775 $967,950 $1,202,925 $840,000
    San Joaquin $304,750 $390,100 $471,550 $586,050 $210,000
    San Luis Obispo $561,200 $718,450 $868,400 $1,079,250 $415,000
    San Mateo $625,500 $800,775 $967,950 $1,202,925 $840,000
    Santa Barbara $625,500 $800,775 $967,950 $1,202,925 $515,000
    Santa Clara $625,500 $800,775 $967,950 $1,202,925 $662,000
    Santa Cruz $625,500 $800,775 $967,950 $1,202,925 $545,000
    Shasta $273,700 $350,350 $423,500 $526,350 $190,000
    Sierra $304,750 $390,100 $471,550 $586,050 $128,000
    Siskiyou $271,050 $347,000 $419,425 $521,250 $120,000
    Solano $400,200 $512,300 $619,300 $769,600 $250,000
    Sonoma $520,950 $666,900 $806,150 $1,001,850 $400,000
    Stanislaus $276,000 $353,300 $427,100 $530,750 $180,000
    Sutter $271,050 $347,000 $419,425 $521,250 $175,000
    Tehama $271,050 $347,000 $419,425 $521,250 $125,000
    Trinity $271,050 $347,000 $419,425 $521,250 $160,000
    Tulare $271,050 $347,000 $419,425 $521,250 $154,000
    Tuolumne $331,200 $424,000 $512,500 $636,900 $193,000
    Ventura $598,000 $765,550 $925,350 $1,150,000 $445,000
    Yolo $474,950 $608,000 $734,950 $913,350 $350,000
    Yuba $271,050 $347,000 $419,425 $521,250 $175,000

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