2017 California FHA Loan Limits

For 2017, FHA has re-instated the FHA Loan Limits called HERA, or "Permanent High Cost Loan Limits", that were originally authorized in the HERA law passed in the summer of 2009. The max FHA Loan for base counties has increased to $275,665 (floor), and up to $636,150 in high cost counties (the ceiling).  FHA Loans that exceed $424K are called FHA Jumbo or FHA High Balance Loans.

Go here for 2017 California Conventional Loan Limits by County

VanDyk offers FHA Loans up to the full FHA loan limit for every county that we serve.  FHA Loans for single family homes are available up to $636,150 in higher cost counties such as Los Angeles, San Francisco, Alameda, Contra Costra, Orange County, Santa Clara, Santa Cruz, San Benito, Marin, and Santa Barbara.  San Diego Homebuyers and Homeowners can get FHA Loans up to $612,950, Riverside and San Bernardino up to $379,500, Sacramento, El Dorado, and Placer counties up to $488,750.

VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

Here is a list of the FHA loan limits for Single Family (includes condos), Duplex, Tri-plex and Four-Plex for all California counties:

County Name

One-Family

Two-Family

Three-Family

Four-Family


ALAMEDA

$636,150

$814,500

$984,525

$1,223,475


ALPINE

$463,450

$593,300

$717,150

$891,250


AMADOR

$332,350

$425,450

$514,300

$639,150


BUTTE

$293,250

$375,400

$453,750

$563,950


CALAVERAS

$373,750

$478,450

$578,350

$718,750


COLUSA

$275,665

$352,352

$426,625

$530,150


CONTRA COSTA

$636,150

$814,500

$984,525

$1,223,475


DEL NORTE

$275,665

$352,352

$426,625

$530,150


EL DORADO

$488,750

$625,700

$756,300

$939,900


FRESNO

$281,750

$360,700

$436,000

$541,800


GLENN

$275,665

$352,352

$426,625

$530,150


HUMBOLDT

$327,750

$419,550

$507,150

$630,300


IMPERIAL

$275,665

$352,352

$426,625

$530,150


INYO

$369,150

$472,550

$571,250

$709,900


KERN

$275,665

$352,352

$426,625

$530,150


KINGS

$275,665

$352,352

$426,625

$530,150


LAKE

$275,665

$352,352

$426,625

$530,150


LASSEN

$275,665

$352,352

$426,625

$530,150


LOS ANGELES

$636,150

$814,500

$984,525

$1,223,475


MADERA

$275,665

$352,352

$426,625

$530,150


MARIN

$636,150

$814,500

$984,525

$1,223,475


MARIPOSA

$322,000

$412,200

$498,250

$619,250


MENDOCINO

$373,750

$478,450

$578,350

$718,750


MERCED

$275,665

$352,352

$426,625

$530,150


MODOC

$275,665

$352,352

$426,625

$530,150


MONO

$529,000

$677,200

$818,600

$1,017,300


MONTEREY

$575,000

$736,100

$889,800

$1,105,800


NAPA

$636,150

$814,500

$984,525

$1,223,475


NEVADA

$477,250

$610,950

$738,500

$917,800


ORANGE

$636,150

$814,500

$984,525

$1,223,475


PLACER

$488,750

$625,700

$756,300

$939,900


PLUMAS

$336,950

$431,350

$521,400

$648,000


RIVERSIDE

$379,500

$485,800

$587,250

$729,800


SACRAMENTO

$488,750

$625,700

$756,300

$939,900


SAN BENITO

$636,150

$814,500

$984,525

$1,223,475


SAN BERNARDINO

$379,500

$485,800

$587,250

$729,800


SAN DIEGO

$612,950

$784,700

$948,500

$1,178,750


SAN FRANCISCO

$636,150

$814,500

$984,525

$1,223,475


SAN JOAQUIN

$362,250

$463,750

$560,550

$696,650


SAN LUIS OBISPO

$586,500

$750,800

$907,550

$1,127,900


SAN MATEO

$636,150

$814,500

$984,525

$1,223,475


SANTA BARBARA

$636,150

$814,500

$984,525

$1,223,475


SANTA CLARA

$636,150

$814,500

$984,525

$1,223,475


SANTA CRUZ

$636,150

$814,500

$984,525

$1,223,475


SHASTA

$275,665

$352,352

$426,625

$530,150


SIERRA

$304,750

$390,100

$471,550

$586,050


SISKIYOU

$275,665

$352,352

$426,625

$530,150


SOLANO

$431,250

$552,050

$667,350

$829,350


SONOMA

$595,700

$762,600

$921,800

$1,145,600


STANISLAUS

$299,000

$382,750

$462,650

$575,000


SUTTER

$276,000

$353,300

$427,100

$530,750


TEHAMA

$275,665

$352,352

$426,625

$530,150


TRINITY

$275,665

$352,352

$426,625

$530,150


TULARE

$275,665

$352,352

$426,625

$530,150


TUOLUMNE

$331,200

$424,000

$512,500

$636,900


VENTURA

$636,150

$814,500

$984,525

$1,223,475


YOLO

$488,750

$625,700

$756,300

$939,900


YUBA

$276,000

$353,300

$427,100

$530,750


VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and Direct Lender. VanDyk Mortgage is also a Proud Direct Lender of VA Loans..  Go with the Government Loan Pros, go with VanDyk. Call Brian Skaar at 760-752-4480 for help with your FHA loan.    We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Jumbo Streamline refinance, FHA Jumbo Purchase, FHA Streamline, VA, VA Streamline, VA Jumbo purchase, VA Jumbo Refinance, VA Cash-out refinance, FHA Rehab 203K, VA, Conforming & Jumbo Loans. Check out our blog here.

We are your FHA Lender & FHA Jumbo Direct Lender and VA Lender & VA Jumbo Direct Lender. FHA, FHA High Balance, FHA Jumbo, FHA Manual Underwrite, FHA Jumbo Streamline refinance, FHA Jumbo Purchase, FHA Streamline, VA, VA Streamline, VA Jumbo purchase, VA High Balance, VA Jumbo Refinance, VA Cash-out refinance, VA, Conforming & Jumbo Loans.

We serve the entire state of California.