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Have you checked out HSH's new Home Value Tracker? See what's happening with home values in more than 400 metro areas!

Have you checked out HSH's new Home Value Tracker? See what's happening with home values in more than 400 metro areas!

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

2021 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 2021 FHA loan limits for each county in California are below.

County Name One Family Two Family Three Family Four Family
Alameda One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Alpine One Family$463,450 Two Family$593,300 Three Family$717,150 Four Family$891,250
Amador One Family$364,550 Two Family$466,700 Three Family$564,100 Four Family$701,050
Butte One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Calaveras One Family$373,750 Two Family$478,450 Three Family$578,350 Four Family$718,750
Colusa One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Contra Costa One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Del Norte One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
El Dorado One Family$598,000 Two Family$765,550 Three Family$925,350 Four Family$1,150,000
Fresno One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Glenn One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Humboldt One Family$356,500 Two Family$456,350 Three Family$551,650 Four Family$685,550
Imperial One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Inyo One Family$373,750 Two Family$478,450 Three Family$578,350 Four Family$718,750
Kern One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Kings One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Lake One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Lassen One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Los Angeles One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Madera One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Marin One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Mariposa One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Mendocino One Family$442,750 Two Family$566,800 Three Family$685,100 Four Family$851,450
Merced One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Modoc One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Mono One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Monterey One Family$739,450 Two Family$946,650 Three Family$1,144,250 Four Family$1,422,050
Napa One Family$816,500 Two Family$1,045,250 Three Family$1,263,500 Four Family$1,570,200
Nevada One Family$526,700 Two Family$674,250 Three Family$815,050 Four Family$1,012,900
Orange One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Placer One Family$598,000 Two Family$765,550 Three Family$925,350 Four Family$1,150,000
Plumas One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Riverside One Family$477,250 Two Family$610,950 Three Family$738,500 Four Family$917,800
Sacramento One Family$598,000 Two Family$765,550 Three Family$925,350 Four Family$1,150,000
San Benito One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
San Bernardino One Family$477,250 Two Family$610,950 Three Family$738,500 Four Family$917,800
San Diego One Family$753,250 Two Family$964,300 Three Family$1,165,600 Four Family$1,448,600
San Francisco One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
San Joaquin One Family$483,000 Two Family$618,300 Three Family$747,400 Four Family$928,850
San Luis Obispo One Family$701,500 Two Family$898,050 Three Family$1,085,550 Four Family$1,349,050
San Mateo One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Santa Barbara One Family$660,100 Two Family$845,050 Three Family$1,021,450 Four Family$1,269,450
Santa Clara One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Santa Cruz One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Shasta One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Sierra One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Siskiyou One Family$356,362 Two Family$456,275 Three Family$551,500 Four Family$685,400
Solano One Family$550,850 Two Family$705,200 Three Family$852,400 Four Family$1,059,350
Sonoma One Family$707,250 Two Family$905,400 Three Family$1,094,450 Four Family$1,360,100
Stanislaus One Family$396,750 Two Family$507,900 Three Family$613,950 Four Family$763,000
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