California FHA Loan Limits 2026

View FHA loan limits for all 58 counties in California. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

Lowest Limit

$541,287

Highest Limit

$1,249,125

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.California has 28 standard-limit counties and 30 high-cost areas. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Alameda County	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Alpine County	$736,000	$942,200	$1,138,900	$1,415,400	High-Cost	Calculate
Amador County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Butte County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Calaveras Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Colusa County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Contra Costa C	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Del Norte Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
El Dorado Coun	$764,750	$979,000	$1,183,400	$1,470,700	High-Cost	Calculate
Fresno County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Glenn County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Humboldt Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Imperial Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Inyo County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kern County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kings County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lake County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lassen County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Los Angeles Co	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Madera County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marin County	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Mariposa Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mendocino Coun	$546,250	$699,300	$845,300	$1,050,500	High-Cost	Calculate
Merced County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Modoc County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mono County	$776,250	$993,750	$1,201,200	$1,492,800	High-Cost	Calculate
Monterey Count	$994,750	$1,273,450	$1,539,350	$1,913,000	High-Cost	Calculate
Napa County	$1,017,750	$1,302,900	$1,574,900	$1,957,250	High-Cost	Calculate
Nevada County	$649,750	$831,800	$1,005,450	$1,249,550	High-Cost	Calculate
Orange County	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Placer County	$764,750	$979,000	$1,183,400	$1,470,700	High-Cost	Calculate
Plumas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Riverside Coun	$690,000	$883,300	$1,067,750	$1,326,950	High-Cost	Calculate
Sacramento Cou	$764,750	$979,000	$1,183,400	$1,470,700	High-Cost	Calculate
San Benito Cou	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
San Bernardino	$690,000	$883,300	$1,067,750	$1,326,950	High-Cost	Calculate
San Diego Coun	$1,104,000	$1,413,350	$1,708,400	$2,123,100	High-Cost	Calculate
San Francisco	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
San Joaquin Co	$678,500	$868,600	$1,049,950	$1,304,850	High-Cost	Calculate
San Luis Obisp	$1,000,500	$1,280,850	$1,548,250	$1,924,100	High-Cost	Calculate
San Mateo Coun	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Santa Barbara	$941,850	$1,205,750	$1,457,450	$1,811,300	High-Cost	Calculate
Santa Clara Co	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Santa Cruz Cou	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Shasta County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sierra County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Siskiyou Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Solano County	$685,400	$877,450	$1,060,600	$1,318,100	High-Cost	Calculate
Sonoma County	$897,000	$1,148,350	$1,388,050	$1,725,050	High-Cost	Calculate
Stanislaus Cou	$545,100	$697,800	$843,500	$1,048,300	High-Cost	Calculate
Sutter County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tehama County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Trinity County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tulare County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tuolumne Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ventura County	$1,035,000	$1,325,000	$1,601,600	$1,990,450	High-Cost	Calculate
Yolo County	$764,750	$979,000	$1,183,400	$1,470,700	High-Cost	Calculate
Yuba County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in California

Use the calculator below with California pre-selected. Choose your county to see the exact FHA limit that applies to you.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

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Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

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Understanding FHA Loan Limits in California

FHA loan limits in California vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, California's single-family FHA limits range from $541,287 to $1,249,125.

The variation in limits reflects differences in median home prices across California's counties. 30 counties are designated as high-cost areas with limits above the national floor of $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.