2018 California FHA Loan Limits

For 2018, 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 $294,515 (floor), and up to $679,650 in high cost counties (the ceiling).  FHA Loans that exceed $453K are called FHA Jumbo or FHA High Balance Loans.

Go here for 2018 California Conventional Loan Limits by County

Go here for the 2018 California VA Loan LImits

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 $679,650 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 $649,750, Riverside and San Bernardino up to $405,950, Sacramento, El Dorado, and Placer counties up to $517,500.

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

$679,650

$870,225

$1,051,875

$1,307,175

 

ALPINE

$463,450

$593,300

$717,150

$891,250

 

AMADOR

$332,350

$425,450

$514,300

$639,150

 

BUTTE

$294,515

$377,075

$455,800

$566,425

 

CALAVERAS

$373,750

$478,450

$578,350

$718,750

 

COLUSA

$294,515

$377,075

$455,800

$566,425

 

CONTRA COSTA

$679,650

$870,225

$1,051,875

$1,307,175

 

DEL NORTE

$294,515

$377,075

$455,800

$566,425

 

EL DORADO

$517,500

$662,500

$800,800

$995,200

 

FRESNO

$294,515

$377,075

$455,800

$566,425

 

GLENN

$294,515

$377,075

$455,800

$566,425

 

HUMBOLDT

$327,750

$419,550

$507,150

$630,300

 

IMPERIAL

$294,515

$377,075

$455,800

$566,425

 

INYO

$369,150

$472,550

$571,250

$709,900

 

KERN

$294,515

$377,075

$455,800

$566,425

    

 

KINGS

$294,515

$377,075

$455,800

$566,425

    

 

LAKE

$294,515

$377,075

$455,800

$566,425

    

 

LASSEN

$294,515

$377,075

$455,800

$566,425

    

 

LOS ANGELES

$679,650

$870,225

$1,051,875

$1,307,175

 

MADERA

$294,515

$377,075

$455,800

$566,425

 

MARIN

$679,650

$870,225

$1,051,875

$1,307,175

 

MARIPOSA

$322,000

$412,200

$498,250

$619,250

 

MENDOCINO

$394,450

$504,950

$610,4050

$758,550

 

MERCED

$294,515

$377,075

$455,800

$566,425

 

MODOC

$294,515

$377,075

$455,800

$566,425

 

MONO

$529,000

$677,200

$818,600

$1,017,300

 

MONTEREY

$615,250

$787,650

$952,050

$1,183,200

 

NAPA

$679,650

$870,225

$1,051,875

$1,307,175

 

NEVADA

$477,250

$610,950

$738,500

$917,800

 

ORANGE

$679,650

$870,225

$1,051,875

$1,307,175

 

PLACER

$517,500

$662,500

$800,800

$995,200

 

PLUMAS

$336,950

$431,350

$521,400

$648,000

 

RIVERSIDE

$405,950

$519,700

$628,200

$780,650

 

SACRAMENTO

$517,500

$662,500

$800,800

$995,200

 

SAN BENITO

$679,650

$870,225

$1,051,875

$1,307,175

 

SAN BERNARDINO

$405,950

$519,700

$628,200

$780,650

 

SAN DIEGO

$649,750

$831,800

$1,005,450

$1,249,550

 

SAN FRANCISCO

$679,650

$870,225

$1,051,875

$1,307,175

 

SAN JOAQUIN

$391,000

$500,550

$605,050

$751,900

   

 

SAN LUIS OBISPO

$615,250

$787,650

$952,050

$1,183,200

 

SAN MATEO

$679,650

$870,225

$1,051,875

$1,307,175

 

SANTA BARBARA

$653,200

$836,200

$1,010,800

$1,256,150

 

SANTA CLARA

$679,650

$870,225

$1,051,875

$1,307,175

 

SANTA CRUZ

$679,650

$870,225

$1,051,875

$1,307,175

 

SHASTA

$294,515

$377,075

$455,800

$566,425

 

SIERRA

$304,750

$390,100

$471,550

$586,050

 

SISKIYOU

$294,515

$377,075

$455,800

$566,425

 

SOLANO

$460,000

$588,850

$711,800

$884,600

 

SONOMA

$648,600

$830,300

$1,003,650

$1,247,300

 

STANISLAUS

$322,000

$412,200

$498,250

$619,250

 

SUTTER

$299,000

$382,750

$462,650

$575,000

 

TEHAMA

$294,515

$377,075

$455,800

$566,425

 

TRINITY

$294,515

$377,075

$455,800

$566,425

 

TULARE

$294,515

$377,075

$455,800

$566,425

 

TUOLUMNE

$331,200

$424,000

$512,500

$636,900

 

VENTURA

$672,750

$861,250

$1,041,050

$1,293,750

 

YOLO

$517,500

$662,500

$800,800

$995,200

 

YUBA

$299,000

$382,750

$462,650

$575,000

 

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.

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We serve the entire state of California.

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