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.
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