2016 California FHA Loan Limits

For 2016, 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 returned to $271,050 (floor), and up to $625,500 in high cost counties (the ceiling).  FHA Loans that exceed $417K are called FHA Jumbo or FHA High Balance Loans.

Go here for 2016 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 $625,500 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 $580,750, Riverside and San Bernardino up to $356,500, Sacramento, El Dorado, and Placer counties up to $474,950.

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

$625,500

$800,775

$967,950

$1,202,925

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

$271,050

$347,000

$419,425

$521,250

CONTRA COSTA

$625,500

$800,775

$967,950

$1,202,925

DEL NORTE

$271,050

$347,000

$419,425

$521,250

EL DORADO

$474,950

$608,000

$734,950

$913,350

FRESNO

$281,750

$360,700

$436,000

$541,800

GLENN

$271,050

$347,000

$419,425

$521,250

HUMBOLDT

$327,750

$419,550

$507,150

$630,300

IMPERIAL

$271,050

$347,000

$419,425

$521,250

INYO

$369,150

$472,550

$571,250

$709,900

KERN

$271,050

$347,000

$419,425

$521,250

KINGS

$271,050

$347,000

$419,425

$521,250

LAKE

$271,050

$347,000

$419,425

$521,250

LASSEN

$271,050

$347,000

$419,425

$521,250

LOS ANGELES

$625,500

$800,775

$967,950

$1,202,925

MADERA

$271,050

$347,000

$419,425

$521,250

MARIN

$625,500

$800,775

$967,950

$1,202,925

MARIPOSA

$322,000

$412,200

$498,250

$619,250

MENDOCINO

$373,750

$478,450

$578,350

$718,750

MERCED

$271,050

$347,000

$419,425

$521,250

MODOC

$271,050

$347,000

$419,425

$521,250

MONO

$529,000

$677,200

$818,600

$1,017,300

MONTEREY

$529,000

$677,200

$818,600

$1,017,300

NAPA

$625,500

$800,775

$967,950

$1,202,925

NEVADA

$477,250

$610,950

$738,500

$917,800

ORANGE

$625,500

$800,775

$967,950

$1,202,925

PLACER

$474,950

$608,000

$734,950

$913,350

PLUMAS

$336,950

$431,350

$521,400

$648,000

RIVERSIDE

$356,500

$456,350

$551,650

$685,550

SACRAMENTO

$474,950

$608,000

$734,950

$913,350

SAN BENITO

$625,500

$800,775

$967,950

$1,202,925

SAN BERNARDINO

$356,500

$456,350

$551,650

$685,550

SAN DIEGO

$580,750

$743,450

$898,700

$1,116,850

SAN FRANCISCO

$625,500

$800,775

$967,950

$1,202,925

SAN JOAQUIN

$333,500

$426,950

$516,050

$641,350

SAN LUIS OBISPO

$561,200

$718,450

$868,400

$1,079,250

SAN MATEO

$625,500

$800,775

$967,950

$1,202,925

SANTA BARBARA

$625,500

$800,775

$967,950

$1,202,925

SANTA CLARA

$625,500

$800,775

$967,950

$1,202,925

SANTA CRUZ

$625,500

$800,775

$967,950

$1,202,925

SHASTA

$273,700

$350,350

$423,500

$526,350

SIERRA

$304,750

$390,100

$471,550

$586,050

SISKIYOU

$271,050

$347,000

$419,425

$521,250

SOLANO

$400,200

$512,300

$619,300

$769,600

SONOMA

$554,300

$709,600

$857,750

$1,065,950

STANISLAUS

$276,000

$353,300

$427,100

$530,750

SUTTER

$271,050

$347,000

$419,425

$521,250

TEHAMA

$271,050

$347,000

$419,425

$521,250

TRINITY

$271,050

$347,000

$419,425

$521,250

TULARE

$271,050

$347,000

$419,425

$521,250

TUOLUMNE

$331,200

$424,000

$512,500

$636,900

VENTURA

$603,750

$772,900

$934,250

$1,161,050

YOLO

$474,950

$608,000

$734,950

$913,350

YUBA

$271,050

$347,000

$419,425

$521,250

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.