2023 California FHA Loan Limits  

For 2023, 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 $472,030 (floor), and up to $1,089,300 in high cost counties (the ceiling).  FHA Loans that exceed $726,200 are called FHA Jumbo or FHA High Balance Loans.

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 $970,800 in higher cost counties such as Los Angeles, San Francisco, Alameda, Contra Costra, Orange County, Santa Clara, Santa Cruz, San Benito, and Marin.  San Diego Homebuyers and Homeowners can get FHA Loans up to $879,750, Riverside and San Bernardino up to $562,350, Sacramento, El Dorado, and Placer counties up to $675,050.

>> Go here for 2023 California Conventional Loan Limits by County
>> Go here for the 2023 California VA Loan Limits

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).

I have specialized in FHA Loans and FHA Jumbo Loans since 2008.   It is my honor to assist families and individuals achieve the home ownership dream  ~ Brian Skaar, Branch Manager, VanDyk Mortgage. 

We have compiled a list of the FHA loan limits for Single Family (includes condos), Duplex, Tri-plex and Four-Plex for all California counties.

2022 California FHA Loan Limits for all California Counties below:

County                      1-family                 2-family                 3-family                 4 family

Alameda                  $1,089,300          $1,394,775              $1,685,850             $2,095,200

Alpine                       $497,950               $637,450               $770,550               $957,600

Amador                    $472,030               $604,400               $730,525               $907,900

Butte                        $472,030               $604,400               $730,525               $907,900

Calaveras                $472,030               $604,400               $730,525               $907,900

Colusa                    $472,030               $604,400               $730,525               $907,900

Contra Costa         $1,089,300          $1,394,775              $1,685,850             $2,095,200

Del Norte               $472,030               $604,400               $730,525               $907,900

El Dorado              $763,600               $977,550               $1,181,650           $1,468,500

Fresno                   $472,030               $604,400               $730,525               $907,900

Glenn                     $472,030               $604,400               $730,525               $907,900

Humboldt              $472,030               $604,400               $730,525               $907,900

Imperial                 $472,030               $604,400               $730,525               $907,900

Inyo                       $508,300               $650,700               $730,525               $907,900

Kern                      $472,030               $604,400               $730,525               $907,900

Kings                    $472,030               $604,400               $730,525               $907,900

Lake                      $472,030               $604,400               $730,525               $907,900

Lassen                  $472,030               $604,400               $730,525               $907,900

Los Angeles         $1,089,300          $1,394,775              $1,685,850             $2,095,200

Madera                 $472,030               $604,400               $730,525               $907,900

Marin                    $1,089,300          $1,394,775              $1,685,850             $2,095,200

Mariposa              $472,030               $604,400               $730,525               $907,900

Mendocino           $546,250               $699,300               $845,300               $1,050,500

Merced                 $472,030               $604,400               $730,525               $907,900

Modoc                  $472,030               $604,400               $730,525               $907,900

Mono                    $693,450               $887,750               $1,073,100            $1,1333,600

Monterey              $915,400              $1,171,900            $1,416,550             $1,760,400

Napa                     $1,017,750           $1,302,900            $1,574,900             $1,957,250

Nevada                 $644,000              $824,450               $996,550                $1,238,500

Orange                 $1,089,300          $1,394,775              $1,685,850             $2,095,200

Placer                   $763,600               $977,550               $1,181,650           $1,468,500

Plumas                 $472,030               $604,400               $730,525               $907,900

Riverside              $644,000               $824,450               $996,550               $1,238,500

Sacramento         $763,600               $977,550               $1,181,650           $1,468,500

San Benito            $1,089,300          $1,394,775              $1,685,850             $2,095,200

San Bernardino    $644,000               $824,450               $996,550               $1,238,500

San Diego            $977,500             $1,251,400              $1,512,650             $1,879,850

San Francisco     $1,089,300          $1,394,775              $1,685,850             $2,095,200

San Joaquin        $656,650             $840,650                 $1,016,150             $1,262,800

San Luis Obispo $911,950             $1,167,450              $1,411,200             $1,753,800

San Mateo           $1,089,300          $1,394,775              $1,685,850             $2,095,200

Santa Barbara    $805,000              $1,030,550             $1,245,700             $1,548,200

Santa Clara         $1,089,300          $1,394,775              $1,685,850             $2,095,200

Santa Cruz         $1,089,300          $1,394,775              $1,685,850             $2,095,200

Shasta                 $472,030               $604,400               $730,525               $907,900 

Sierra                  $472,030               $604,400               $730,525               $907,900

Siskiyou             $472,030               $604,400               $730,525               $907,900

Solano                $685,400               $877,450               $1,060,600            $1,318,100

Sonoma              $861,350               $1,102,700           $1,332,900             $1,656,450

Stanislaus          $517,500               $662,500               $800,800               $995,200

Sutter                  $488,750               $625,700              $756,300               $939,900

Tehama               $472,030               $604,400               $730,525               $907,900

Trinity                  $472,030               $604,400               $730,525               $907,900

Tulare                   $472,030               $604,400               $730,525               $907,900

Tuolomne            $472,030               $604,400               $730,525               $907,900

Ventura                $948,750               $1,214,600           $1,468,150           $1,824,550

Yolo                      $763,600               $977,550              $1,181,650           $1,468,500

Yuba                     $488,750               $625,700              $756,300               $939,900

Call us today to get started on your new home purchase - 866-900-2342 toll free, talk or text Brian direct at 760-752-4480 or get started online here:  Get Pre-Approved Now.

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.

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