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It's a question almost everyone is asking: "Should I refinance my mortgage?" If so, what's the best way to pay for my mortgage refinance

It's a question almost everyone is asking: "Should I refinance my mortgage?" If so, what's the best way to pay for my mortgage refinance

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

2020 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.

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 2020 FHA Loan Limits for each county in California are below.

County Name One Family Two Family Three Family Four Family
Alameda One Family$765,600 Two Family$980,325 Three Family$184,925 Four Family$1,472,550
Alpine One Family$463,450 Two Family$593,300 Three Family$717,150 Four Family$891,250
Amador One Family$355,350 Two Family$454,900 Three Family$549,850 Four Family$683,350
Butte One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Calaveras One Family$373,750 Two Family$478,450 Three Family$578,350 Four Family$718,750
Colusa One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Contra Costa One Family$765,600 Two Family$980,325 Three Family$184,925 Four Family$1,472,550
Del Norte One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
El Dorado One Family$569,250 Two Family$728,750 Three Family$880,900 Four Family$1,094,700
Fresno One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Glenn One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Humboldt One Family$345,000 Two Family$441,650 Three Family$533,850 Four Family$663,450
Imperial One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Inyo One Family$373,750 Two Family$478,450 Three Family$578,350 Four Family$718,750
Kern One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Kings One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Lake One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Lassen One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Los Angeles One Family$765,600 Two Family$980,325 Three Family$184,925 Four Family$1,472,550
Madera One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Marin One Family$765,600 Two Family$980,325 Three Family$184,925 Four Family$1,472,550
Mariposa One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Mendocino One Family$409,400 Two Family$524,100 Three Family$633,500 Four Family$787,300
Merced One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Modoc One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Mono One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Monterey One Family$672,750 Two Family$861,250 Three Family$41,050 Four Family$1,293,750
Napa One Family$764,750 Two Family$979,000 Three Family$183,400 Four Family$1,470,700
Nevada One Family$486,450 Two Family$622,750 Three Family$752,750 Four Family$935,500
Orange One Family$765,600 Two Family$980,325 Three Family$184,925 Four Family$1,472,550
Placer One Family$569,250 Two Family$728,750 Three Family$880,900 Four Family$1,094,700
Plumas One Family$336,950 Two Family$431,350 Three Family$521,400 Four Family$648,000
Riverside One Family$442,750 Two Family$566,800 Three Family$685,100 Four Family$851,450
Sacramento One Family$569,250 Two Family$728,750 Three Family$880,900 Four Family$1,094,700
San Benito One Family$765,600 Two Family$980,325 Three Family$184,925 Four Family$1,472,550
San Bernardino One Family$442,750 Two Family$566,800 Three Family$685,100 Four Family$851,450
San Diego One Family$701,500 Two Family$898,050 Three Family$85,550 Four Family$1,349,050
San Francisco One Family$765,600 Two Family$980,325 Three Family$184,925 Four Family$1,472,550
San Joaquin One Family$448,500 Two Family$574,150 Three Family$694,000 Four Family$862,500
San Luis Obispo One Family$690,000 Two Family$883,300 Three Family$67,750 Four Family$1,326,950
San Mateo One Family$765,600 Two Family$980,325 Three Family$184,925 Four Family$1,472,550
Santa Barbara One Family$653,200 Two Family$836,200 Three Family$10,800 Four Family$1,256,150
Santa Clara One Family$765,600 Two Family$980,325 Three Family$184,925 Four Family$1,472,550
Santa Cruz One Family$765,600 Two Family$980,325 Three Family$184,925 Four Family$1,472,550
Shasta One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Sierra One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Siskiyou One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Solano One Family$506,000 Two Family$647,750 Three Family$783,000 Four Family$973,100
Sonoma One Family$704,950 Two Family$902,450 Three Family$90,850 Four Family$1,355,700
Stanislaus One Family$365,700 Two Family$468,150 Three Family$565,900 Four Family$703,250
Sutter One Family$345,000 Two Family$441,650 Three Family$533,850 Four Family$663,450
Tehama One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Trinity One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Tulare One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Tuolumne One Family$331,760 Two Family$424,800 Three Family$513,450 Four Family$638,100
Ventura One Family$713,000 Two Family$912,750 Three Family$103,350 Four Family$1,371,150
Yolo One Family$569,250 Two Family$728,750 Three Family$880,900 Four Family$1,094,700
Yuba One Family$345,000 Two Family$441,650 Three Family$533,850 Four Family$663,450
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