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For your consideration: Our observations regarding What's holding back the housing market?

For your consideration: Our observations regarding What's holding back the housing market?

Current FHA Mortgage Rates in CA - California FHA mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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California Mortgages

2024 FHA Loan Limits for California

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in California are below.

Select County
County Name One Family Two Family Three Family Four Family
Alameda One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Alpine One Family$503,700 Two Family$644,800 Three Family$779,450 Four Family$968,650
Amador One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Butte One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Calaveras One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Colusa One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Contra Costa One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Del Norte One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
El Dorado One Family$763,600 Two Family$977,550 Three Family$1,181,650 Four Family$1,468,500
Fresno One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Glenn One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Humboldt One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Imperial One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Inyo One Family$508,300 Two Family$650,700 Three Family$786,550 Four Family$977,500
Kern One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Kings One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lake One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lassen One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Los Angeles One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Madera One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marin One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Mariposa One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mendocino One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Merced One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Modoc One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mono One Family$693,450 Two Family$887,750 Three Family$1,073,100 Four Family$1,333,600
Monterey One Family$920,000 Two Family$1,177,750 Three Family$1,423,650 Four Family$1,769,250
Napa One Family$1,017,750 Two Family$1,302,900 Three Family$1,574,900 Four Family$1,957,250
Nevada One Family$644,000 Two Family$824,450 Three Family$996,550 Four Family$1,238,500
Orange One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Placer One Family$763,600 Two Family$977,550 Three Family$1,181,650 Four Family$1,468,500
Plumas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Riverside One Family$644,000 Two Family$824,450 Three Family$996,550 Four Family$1,238,500
Sacramento One Family$763,600 Two Family$977,550 Three Family$1,181,650 Four Family$1,468,500
San Benito One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
San Bernardino One Family$644,000 Two Family$824,450 Three Family$996,550 Four Family$1,238,500
San Diego One Family$1,006,250 Two Family$1,288,200 Three Family$1,557,150 Four Family$1,935,150
San Francisco One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
San Joaquin One Family$656,650 Two Family$840,650 Three Family$1,016,150 Four Family$1,262,800
San Luis Obispo One Family$929,200 Two Family$1,189,550 Three Family$1,437,900 Four Family$1,786,950
San Mateo One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Santa Barbara One Family$838,350 Two Family$1,073,250 Three Family$1,297,300 Four Family$1,612,250
Santa Clara One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Santa Cruz One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Shasta One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sierra One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Siskiyou One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Solano One Family$685,400 Two Family$877,450 Three Family$1,060,600 Four Family$1,318,100
Sonoma One Family$877,450 Two Family$1,123,300 Three Family$1,357,800 Four Family$1,687,450
Stanislaus One Family$517,500 Two Family$662,500 Three Family$800,800 Four Family$995,200
Sutter One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Tehama One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Trinity One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Tulare One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Tuolumne One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ventura One Family$954,500 Two Family$1,221,950 Three Family$1,477,050 Four Family$1,835,600
Yolo One Family$763,600 Two Family$977,550 Three Family$1,181,650 Four Family$1,468,500
Yuba One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350

Mortgage Rates by State

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