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CALIFORNIA FHA LOANS As with all home loans FHA Loans are still calculated using the current interest rates. California is one of the Countries largest users of FHA Loans. Interest rates based on Credit Scores |
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FHA Home Loans California| County/Counties | One-family | Two-family | Three-family | Four-family |
| Mariposa | $412,500.00 | $528,050.00 | $638,300.00 | $793,250.00 |
| El Dorado, Placer, Sacramento, Yolo | $580,000.00 | $742,500.00 | $897,500.00 | $1,115,400.00 |
| Alameda, Contra Costa, Los Angeles, Marin, Monterey, Napa, Orange, San Benito, San Francisco, San Mateo, Santa Barbara, Santa Clara, Santa Cruz, Ventura | $729,750.00 | $934,200.00 | $1,129,250.00 | $1,403,400.00 |
| Mendocino | $512,500.00 | $656,100.00 | $793,050.00 | $985,600.00 |
| Madera, Sutter, Yuba | $425,000.00 | $544,050.00 | $657,650.00 | $817,300.00 |
| San Diego | $697,500.00 | $892,950.00 | $1,079,350.00 | $1,341,350.00 |
| Amador | $443,750.00 | $568,050.00 | $686,650.00 | $853,350.00 |
| Siskiyou | $293,750.00 | $376,050.00 | $454,550.00 | $564,900.00 |
| Imperial, Kings, Tulare | $325,000.00 | $416,050.00 | $502,900.00 | $625,000.00 |
| Modoc, Trinity | $271,050.00 | $347,000.00 | $419,400.00 | $521,250.00 |
| Alpine | $547,500.00 | $700,900.00 | $847,200.00 | $1,052,900.00 |
| Calaveras, Mono | $462,500.00 | $592,050.00 | $715,700.00 | $889,450.00 |
| Humboldt | $393,750.00 | $504,050.00 | $609,300.00 | $757,200.00 |
| Riverside, San Bernardino | $500,000.00 | $640,100.00 | $773,700.00 | $961,550.00 |
| Glenn | $287,500.00 | $368,050.00 | $444,900.00 | $552,900.00 |
| Butte | $400,000.00 | $512,050.00 | $618,950.00 | $769,250.00 |
| Del Norte | $311,250.00 | $398,450.00 | $481,650.00 | $598,550.00 |
| Merced | $472,500.00 | $604,900.00 | $731,150.00 | $908,650.00 |
| San Luis Obispo | $687,500.00 | $880,100.00 | $1,063,850.00 | $1,322,150.00 |
| Shasta, Stanislaus | $423,750.00 | $542,450.00 | $655,700.00 | $814,900.00 |
| San Joaquin | $488,750.00 | $625,700.00 | $756,300.00 | $939,900.00 |
| Plumas | $410,000.00 | $524,850.00 | $634,450.00 | $788,450.00 |
| Nevada | $562,500.00 | $720,100.00 | $870,450.00 | $1,081,750.00 |
| Lake | $401,250.00 | $513,650.00 | $620,900.00 | $771,650.00 |
| Lassen, Sierra | $285,000.00 | $364,850.00 | $441,000.00 | $548,050.00 |
| Tehama | $312,500.00 | $400,050.00 | $483,550.00 | $600,950.00 |
| Kern | $368,750.00 | $472,050.00 | $570,600.00 | $709,150.00 |
| Solano | $557,500.00 | $713,700.00 | $862,700.00 | $1,072,150.00 |
| Colusa | $397,500.00 | $508,850.00 | $615,100.00 | $764,400.00 |
| Sonoma | $662,500.00 | $848,100.00 | $1,025,200.00 | $1,274,050.00 |
| Fresno | $381,250.00 | $488,050.00 | $589,950.00 | $733,150.00 |
| Inyo, Tuolumne | $437,500.00 | $560,050.00 | $677,000.00 | $841,350.00 |
Keep in mind the FHA does not actually make the home loans, the FHA insures FHA home loans. You must still apply for an FHA loan through regular lenders, your Bank, Credit Union etc.
Owning a home is very expensive in California and that is reflected in the statistics ranking Californians home ownership as the 3rd lowest in the nation at 58%. If you can get a FHA Loan in California you can literally knock hundreds of dollars each month of a house payment that you would have to pay on a conventional loan.
The idea is to find a home within the California FHA Loan limits (see above), that's your starting point before you actually seek out your home loan.
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