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View limits for: VA | FHA | conforming

The table below shows the California FHA loan limits for 2019, for all counties in the state. In December 2018, the Department of Housing and Urban Development (HUD) announced it would increase FHA limits for most counties in the U.S., in response to rising home values. The table below has been fully updated to reflect those changes.

California FHA Loan Limits for 2019

In the table below, “1-family” refers to a single-family home. The “2-family” column is for duplex-style properties with two residents, and so on. If you plan to purchase a single-family home as your residence, you would refer to the 2019 California FHA loan limits in the “1-family” column.

County1-Family2-Family3-Family4-Family
ALAMEDA$726,525$930,300$1,124,475$1,397,400
ALPINE$463,450$593,300$717,150$891,250
AMADOR$350,750$449,000$542,750$674,500
BUTTE$314,827$403,125$487,250$605,525
CALAVERAS$373,750$478,450$578,350$718,750
COLUSA$314,827$403,125$487,250$605,525
CONTRA COSTA$726,525$930,300$1,124,475$1,397,400
DEL NORTE$314,827$403,125$487,250$605,525
EL DORADO$552,000$706,650$854,200$1,061,550
FRESNO$314,827$403,125$487,250$605,525
GLENN$314,827$403,125$487,250$605,525
HUMBOLDT$333,500$426,950$516,050$641,350
IMPERIAL$314,827$403,125$487,250$605,525
INYO$369,150$472,550$571,250$709,900
KERN$314,827$403,125$487,250$605,525
KINGS$314,827$403,125$487,250$605,525
LAKE$314,827$403,125$487,250$605,525
LASSEN$314,827$403,125$487,250$605,525
LOS ANGELES$726,525$930,300$1,124,475$1,397,400
MADERA$314,827$403,125$487,250$605,525
MARIN$726,525$930,300$1,124,475$1,397,400
MARIPOSA$322,000$412,200$498,250$619,250
MENDOCINO$409,400$524,100$633,500$787,300
MERCED$314,827$403,125$487,250$605,525
MODOC$314,827$403,125$487,250$605,525
MONO$529,000$677,200$818,600$1,017,300
MONTEREY$652,050$834,750$1,009,000$1,253,950
NAPA$726,525$930,300$1,124,475$1,397,400
NEVADA$486,450$622,750$752,750$935,500
ORANGE$726,525$930,300$1,124,475$1,397,400
PLACER$552,000$706,650$854,200$1,061,550
PLUMAS$336,950$431,350$521,400$648,000
RIVERSIDE$431,250$552,050$667,350$829,350
SACRAMENTO$552,000$706,650$854,200$1,061,550
SAN BENITO$726,525$930,300$1,124,475$1,397,400
SAN BERNARDINO$431,250$552,050$667,350$829,350
SAN DIEGO$690,000$883,300$1,067,750$1,326,950
SAN FRANCISCO$726,525$930,300$1,124,475$1,397,400
SAN JOAQUIN$425,500$544,700$658,450$818,250
SAN LUIS OBISPO$667,000$853,900$1,032,150$1,282,700
SAN MATEO$726,525$930,300$1,124,475$1,397,400
SANTA BARBARA$653,200$836,200$1,010,800$1,256,150
SANTA CLARA$726,525$930,300$1,124,475$1,397,400
SANTA CRUZ$726,525$930,300$1,124,475$1,397,400
SHASTA$314,827$403,125$487,250$605,525
SIERRA$314,827$403,125$487,250$605,525
SISKIYOU$314,827$403,125$487,250$605,525
SOLANO$494,500$633,050$765,200$950,950
SONOMA$704,950$902,450$1,090,850$1,355,700
STANISLAUS$350,750$449,000$542,750$674,500
SUTTER$324,300$415,150$501,800$623,650
TEHAMA$314,827$403,125$487,250$605,525
TRINITY$314,827$403,125$487,250$605,525
TULARE$314,827$403,125$487,250$605,525
TUOLUMNE$331,200$424,000$512,500$636,900
VENTURA$713,000$912,750$1,103,350$1,371,150
YOLO$552,000$706,650$854,200$1,061,550
YUBA$324,300$415,150$501,800$623,650

Learn more about California FHA loans

How They Affect Home Buyers, Borrowers

What are California FHA loan limits exactly, and how will they affect you as a home buyer and borrower in 2019? Here’s an overview of key terms and concepts.

FHA home loans are insured by the federal government, through the Federal Housing Administration. The program is managed by HUD. The insurance protects the lender against losses resulting from borrower default. As a result of this insurance coverage, lenders are sometimes able to offer financing to borrowers who might not qualify for “regular” conventional loan.

There are maximum size limits for FHA loans in California. These limits are established by HUD, and they vary by county as shown in the table above. If you plan to use an FHA-insured mortgage to buy a home in 2019, you will probably be limited to the HUD-specified maximum amount for your county.

This is why it’s wise to speak to a mortgage lender before you start shopping for a home. If you get pre-approved for a loan, you’ll have a better sense of what you can afford to purchase. You can then shop within that price range, saving time and energy. This will result in a more efficient house-hunting process.

Apply for a Mortgage Today

Do you plan to use an FHA-insured mortgage loan to buy a house in California? If so, we can help you. Bridgepoint Funding has been serving borrowers in the Golden State for more than 16 years. We offer a wide variety of mortgage products, including FHA, VA and conventional.

Please call or email us today if you have questions about California FHA loan limits in 2019, or other mortgage-related questions. You can also get a rate quote right here on our website. Use the links in the main menu above to get started. We look forward to helping you!

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