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Current FHA Mortgage Rates in California : HSH.com's FHA/VA Showcase

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FHA Mortgage Refinance rates in California

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4.625% Rate

FHA 30 Yr.

5.325% APR

$1,180 / month (est)

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Updated 8/19/2018

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3.500% Rate

FHA 30 Yr.

3.721% APR

$898 / month (est)

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Updated 8/17/2018

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4.750% Rate

FHA 30 Yr.

5.586% APR

$1,195 / month (est)

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Updated 8/19/2018

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4.990% Rate

FHA 30 Yr.

5.834% APR

$1,225 / month (est)

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Updated 8/19/2018

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California Mortgages

2018 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 $294,515 to $615,250. The remaining 11 counties are at $679,650. FHA and VA offer higher conforming loan limits in some counties.

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.

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 2018 FHA loan limits for each county in California are below.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Alameda$679,650$870,225$1,051,875$1,307,175
Alpine$463,450$593,300$717,150$891,250
Amador$332,350$425,450$514,300$639,150
Butte$294,515$377,075$455,800$566,425
Calaveras$373,750$478,450$578,350$718,750
Colusa$294,515$377,075$455,800$566,425
Contra Costa$679,650$870,225$1,051,875$1,307,175
Del Norte$294,515$377,075$455,800$566,425
El Dorado$517,500$662,500$800,800$995,200
Fresno$294,515$377,075$455,800$566,425
Glenn$294,515$377,075$455,800$566,425
Humboldt$327,750$419,550$507,150$630,300
Imperial$294,515$377,075$455,800$566,425
Inyo$369,150$472,550$571,250$709,900
Kern$294,515$377,075$455,800$566,425
Kings$294,515$377,075$455,800$566,425
Lake$294,515$377,075$455,800$566,425
Lassen$294,515$377,075$455,800$566,425
Los Angeles$679,650$870,225$1,051,875$1,307,175
Madera$294,515$377,075$455,800$566,425
Marin$679,650$870,225$1,051,875$1,307,175
Mariposa$322,000$412,200$498,250$619,250
Mendocino$394,450$504,950$610,400$758,550
Merced$294,515$377,075$455,800$566,425
Modoc$294,515$377,075$455,800$566,425
Mono$529,000$677,200$818,600$1,017,300
Monterey$615,250$787,650$952,050$1,183,200
Napa$679,650$870,225$1,051,875$1,307,175
Nevada$477,250$610,950$738,500$917,800
Orange$679,650$870,225$1,051,875$1,307,175
Placer$517,500$662,500$800,800$995,200
Plumas$336,950$431,350$521,400$648,000
Riverside$405,950$519,700$628,200$780,650
Sacramento$517,500$662,500$800,800$995,200
San Benito$679,650$870,225$1,051,875$1,307,175
San Bernardino$405,950$519,700$628,200$780,650
San Diego$649,750$831,800$1,005,450$1,249,550
San Francisco$679,650$870,225$1,051,875$1,307,175
San Joaquin$391,000$500,550$605,050$751,900
San Luis Obispo$615,250$787,650$952,050$1,183,200
San Mateo$679,650$870,225$1,051,875$1,307,175
Santa Barbara$653,200$836,200$1,010,800$1,256,150
Santa Clara$679,650$870,225$1,051,875$1,307,175
Santa Cruz$679,650$870,225$1,051,875$1,307,175
Shasta$294,515$377,075$455,800$566,425
Sierra$304,750$390,100$471,550$586,050
Siskiyou$294,515$377,075$455,800$566,425
Solano$460,000$588,850$711,800$884,600
Sonoma$648,600$830,300$1,003,650$1,247,300
Stanislaus$322,000$412,200$498,250$619,250
Sutter$299,000$382,750$462,650$575,000
Tehama$294,515$377,075$455,800$566,425
Trinity$294,515$377,075$455,800$566,425
Tulare$294,515$377,075$455,800$566,425
Tuolumne$331,200$424,000$512,500$636,900
Ventura$672,750$861,250$1,041,050$1,293,750
Yolo$517,500$662,500$800,800$995,200
Yuba$299,000$382,750$462,650$575,000