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See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

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

2022 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 2022 FHA loan limits for each county in California are below.

County Name One Family Two Family Three Family Four Family
Alameda One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Alpine One Family$463,450 Two Family$593,300 Three Family$717,150 Four Family$891,250
Amador One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Butte One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Calaveras One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Colusa One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Contra Costa One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Del Norte One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
El Dorado One Family$675,050 Two Family$864,200 Three Family$1,044,600 Four Family$1,298,200
Fresno One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Glenn One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Humboldt One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Imperial One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Inyo One Family$431,250 Two Family$552,050 Three Family$667,350 Four Family$829,350
Kern One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Kings One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lake One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lassen One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Los Angeles One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Madera One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Marin One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Mariposa One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mendocino One Family$506,000 Two Family$647,750 Three Family$783,000 Four Family$973,100
Merced One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Modoc One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mono One Family$563,500 Two Family$721,400 Three Family$872,000 Four Family$1,083,650
Monterey One Family$854,450 Two Family$1,093,850 Three Family$1,322,200 Four Family$1,643,200
Napa One Family$897,000 Two Family$1,148,350 Three Family$1,388,050 Four Family$1,725,050
Nevada One Family$609,500 Two Family$780,250 Three Family$943,150 Four Family$1,172,150
Orange One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Placer One Family$675,050 Two Family$864,200 Three Family$1,044,600 Four Family$1,298,200
Plumas One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Riverside One Family$562,350 Two Family$719,900 Three Family$870,200 Four Family$1,081,450
Sacramento One Family$675,050 Two Family$864,200 Three Family$1,044,600 Four Family$1,298,200
San Benito One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
San Bernardino One Family$562,350 Two Family$719,900 Three Family$870,200 Four Family$1,081,450
San Diego One Family$879,750 Two Family$1,126,250 Three Family$1,361,350 Four Family$1,691,850
San Francisco One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
San Joaquin One Family$563,500 Two Family$721,400 Three Family$872,000 Four Family$1,083,650
San Luis Obispo One Family$805,000 Two Family$1,030,550 Three Family$1,245,700 Four Family$1,548,100
San Mateo One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Santa Barbara One Family$783,150 Two Family$1,002,600 Three Family$1,211,900 Four Family$1,506,100
Santa Clara One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Santa Cruz One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Shasta One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Sierra One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Siskiyou One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Solano One Family$614,100 Two Family$786,150 Three Family$950,300 Four Family$1,181,000
Sonoma One Family$764,750 Two Family$979,000 Three Family$1,183,400 Four Family$1,470,700
Stanislaus One Family$460,000 Two Family$588,850 Three Family$711,800 Four Family$884,600
Sutter One Family$420,900 Two Family$538,800 Three Family$651,300 Four Family$809,450
Tehama One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Trinity One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Tulare One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Tuolumne One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Ventura One Family$851,000 Two Family$1,089,450 Three Family$1,316,900 Four Family$1,636,550
Yolo One Family$675,050 Two Family$864,200 Three Family$1,044,600 Four Family$1,298,200
Yuba One Family$420,900 Two Family$538,800 Three Family$651,300 Four Family$809,450
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