2025 California FHA Loan Limits
FHA has released the 2025 FHA Loan limits for the 2025 calendar year. The max FHA Loan for base counties has increased to $524,225 (floor), and up to $1,209,750 in high-cost counties (the ceiling). FHA Loans that exceed $806,500 are called FHA Jumbo or FHA High Balance Loans. Higher FHA Loan Limits are calculated based on an act called HERA, or the "Permanent High-Cost Loan Limits", that were originally authorized in the HERA law passed in the summer of 2009.
VanDyk Mortgage 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 $1,209,750 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 $1,077,550, Riverside and San Bernardino up to $672,750, Sacramento, El Dorado, and Placer counties up to $763,600 again for 2025.
>> Go here for 2025 California Conventional Loan Limits by County
>> Go here for the 2025 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.
2025 California FHA Loan Limits for all California Counties below:
County 1-family 2-family 3-family 4 family
Alameda $1,209,750 $1,548,975 $1,872,225 $2,326,875
Alpine $524,225 $671,200 $811,275 $1,008,300
Amador $524,225 $671,200 $811,275 $1,008,300
Butte $524,225 $671,200 $811,275 $1,008,300
Calaveras $524,225 $671,200 $811,275 $1,008,300
Colusa $524,225 $671,200 $811,275 $1,008,300
Contra Costa $1,209,750 $1,548,975 $1,872,225 $2,326,875
Del Norte $524,225 $671,200 $811,275 $1,008,300
El Dorado $763,600 $977,550 $1,181,650 $1,468,500
Fresno $524,225 $671,200 $811,275 $1,008,300
Glenn $524,225 $671,200 $811,275 $1,008,300
Humboldt $524,225 $671,200 $811,275 $1,008,300
Imperial $524,225 $671,200 $811,275 $1,008,300
Inyo $524,225 $671,200 $811,275 $1,008,300
Kern $524,225 $671,200 $811,275 $1,008,300
Kings $524,225 $671,200 $811,275 $1,008,300
Lake $524,225 $671,200 $811,275 $1,008,300
Lassen $524,225 $671,200 $811,275 $1,008,300
Los Angeles $1,209,750 $1,548,975 $1,872,225 $2,326,875
Madera $524,225 $671,200 $811,275 $1,008,300
Marin $1,209,750 $1,548,975 $1,872,225 $2,326,875
Mariposa $524,225 $671,200 $811,275 $1,008,300
Mendocino $546,250 $699,300 $845,300 $1,050,500
Merced $524,225 $671,200 $811,275 $1,008,300
Modoc $524,225 $671,200 $811,275 $1,008,300
Mono $776,250 $993,750 $1,201,200 $1,492,800
Monterey $970,600 $1,242,550 $1,501,950 $1,866,600
Napa $1,017,750 $1,302,900 $1,574,900 $1,957,250
Nevada $644,000 $824,450 $996,550 $1,238,500
Orange $1,209,750 $1,548,975 $1,872,225 $2,326,875
Placer $763,600 $977,550 $1,181,650 $1,468,500
Plumas $524,225 $671,200 $811,275 $1,008,300
Riverside $672,750 $861,250 $1,041,050 $1,293,750
Sacramento $763,600 $977,550 $1,181,650 $1,468,500
San Benito $1,209,750 $1,548,975 $1,872,225 $2,326,875
San Bernardino $672,750 $861,250 $1,041,050 $1,293,750
San Diego $1,006,250 $1,288,200 $1,557,150 $1,935,150
San Francisco $1,209,750 $1,548,975 $1,872,225 $2,326,875
San Joaquin $678,500 $868,500 $1,049,950 $1,304,850
San Luis Obispo $967,150 $1,238,150 $1,496,600 $1,859,950
San Mateo $1,209,750 $1,548,975 $1,872,225 $2,326,875
Santa Barbara $913,100 $1,168,950 $1,413,000 $1,756,000
Santa Clara $1,209,750 $1,548,975 $1,872,225 $2,326,875
Santa Cruz $1,209,750 $1,548,975 $1,872,225 $2,326,875
Shasta $524,225 $671,200 $811,275 $1,008,300
Sierra $524,225 $671,200 $811,275 $1,008,300
Siskiyou $524,225 $671,200 $811,275 $1,008,300
Solano $685,400 $877,450 $1,060,600 $1,318,100
Sonoma $897,000 $1,148,350 $1,388,050 $1,725,050
Stanislaus $524,225 $671,200 $811,275 $1,008,300
Sutter $524,225 $671,200 $811,275 $1,008,300
Tehama $524,225 $671,200 $811,275 $1,008,300
Trinity $524,225 $671,200 $811,275 $1,008,300
Tulare $524,225 $671,200 $811,275 $1,008,300
Tuolomne $524,225 $671,200 $811,275 $1,008,300
Ventura $1,017,750 $1,302,900 $1,574,900 $1,957,250
Yolo $763,600 $977,550 $1,181,650 $1,468,500
Yuba $524,225 $671,200 $811,275 $1,008,300
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.
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