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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

2023 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 2023 FHA loan limits for each county in California are below.

County Name One Family Two Family Three Family Four Family
Alameda One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Alpine One Family$497,950 Two Family$637,450 Three Family$770,550 Four Family$957,600
Amador One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Butte One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Calaveras One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Colusa One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Contra Costa One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Del Norte One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
El Dorado One Family$763,600 Two Family$977,550 Three Family$1,181,650 Four Family$1,468,500
Fresno One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Glenn One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Humboldt One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Imperial One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Inyo One Family$508,300 Two Family$650,700 Three Family$786,550 Four Family$977,500
Kern One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Kings One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lake One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lassen One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Los Angeles One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Madera One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Marin One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Mariposa One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Mendocino One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Merced One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Modoc One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Mono One Family$693,450 Two Family$887,750 Three Family$1,073,100 Four Family$1,333,600
Monterey One Family$915,400 Two Family$1,171,900 Three Family$1,416,550 Four Family$1,760,400
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$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Placer One Family$763,600 Two Family$977,550 Three Family$1,181,650 Four Family$1,468,500
Plumas One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
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$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
San Bernardino One Family$644,000 Two Family$824,450 Three Family$996,550 Four Family$1,238,500
San Diego One Family$977,500 Two Family$1,251,400 Three Family$1,512,650 Four Family$1,879,850
San Francisco One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
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$911,950 Two Family$1,167,450 Three Family$1,411,200 Four Family$1,753,800
San Mateo One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Santa Barbara One Family$805,000 Two Family$1,030,550 Three Family$1,245,700 Four Family$1,548,100
Santa Clara One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Santa Cruz One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Shasta One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Sierra One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Siskiyou One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Solano One Family$685,400 Two Family$877,450 Three Family$1,060,600 Four Family$1,318,100
Sonoma One Family$861,350 Two Family$1,102,700 Three Family$1,332,900 Four Family$1,656,450
Stanislaus One Family$517,500 Two Family$662,500 Three Family$800,800 Four Family$995,200
Sutter One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Tehama One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Trinity One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Tulare One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Tuolumne One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Ventura One Family$948,750 Two Family$1,214,600 Three Family$1,468,150 Four Family$1,824,550
Yolo One Family$763,600 Two Family$977,550 Three Family$1,181,650 Four Family$1,468,500
Yuba One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
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