FHA loan limits for California - 2019

Home owners standing with a sold sign
You want to buy a house, but you have so so credit and no cash. You might think that it's impossible to purchase a home, but don't give up!

The Federal Housing Administration (FHA) was created by Congress to help home buyers achieve the American dream of home ownership. The FHA only requires a 3.5% down payment, that's just $3,500 for a home selling for $100,000. Don't have $3,500? The WISH and IDEA programs can provide up to $15,000 for down payment and closing cost assistance.

The FHA permits the seller to pay a large percentage of the home buyer's closing costs. The combination of seller paid closing costs and grant money from the Federal Home Loan Bank of San Francisco can substantially reduce the required cash at settlement.

Citizenship and Immigration Status

U.S. citizenship is not required for an FHA mortgage. FHA mortgages are available for borrowers with lawful permanent resident alien status, using the same terms and conditions as those for U.S. citizens. Non-U.S. citizens who do not have lawful residency in the U.S. are not eligible for FHA-insured mortgages.

Credit score

The FHA loan program will allow a 500 credit score, however, the down payment is 10% for credit scores lower than 580. The minimum credit scores for loan approval is determined by the bank or mortgage company.

Co-signers and co-borrowers

The FHA permits co-signers and co-borrowers. Having a co-partner as an addition applicant can significantly improve a home buyer's chance of obtaining a loan approval. The co applicant can also enable the home buyer to buy a more expensive house because the FHA program takes all income and monthly debt obligations of all applicants into account.

Gift money

The FHA loan program allows the down payment and closing costs to be paid by eligible donors. The payment to the home buyer is called gift money. Parents, gran-parents and other eligible family members can provide the funding for a home purchase. Even close friends are recognized by the FHA as donors if they meet the gift guidelines.

Income limits

There are no income limits with the FHA home loan.

First time home buyer requirement

The FHA home loan program is open to first time home buyers and non-first time home buyers.

Loan limit

There are lending limits with the FHA mortgage program. The lending limit is set each year by the Federal Housing Financing Agency. Purchasing a home in California can be expensive, for that reason the  Federal Housing Financing Agency increases the FHA loan limit in high priced California Counties.

How much is the FHA mortgage payment? Use the FHA California mortgage and payment calculator

2019 FHA County Loan Limits for California
 
 1 - FAMILY is a single family home or condominium
 2 - FAMILY is two separate living units
 3 - FAMILY three separate living units
 4 – FAMILY four separate living units
 
One-Family  Two-Family  Three-Family  Four-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