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Current FHA Mortgage Rates in CA - California FHA mortgage

California Mortgages

2025 FHA Loan Limits for California

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2025 FHA loan limits for each county in California are below.

Select County
County Name One Family Two Family Three Family Four Family
Alameda One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Alpine One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Amador One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Butte One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Calaveras One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Colusa One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Contra Costa One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Del Norte One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
El Dorado One Family$763,600 Two Family$977,550 Three Family$1,181,650 Four Family$1,468,500
Fresno One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Glenn One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Humboldt One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Imperial One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Inyo One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Kern One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Kings One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lake One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lassen One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Los Angeles One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Madera One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marin One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Mariposa One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mendocino One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Merced One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Modoc One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mono One Family$776,250 Two Family$993,750 Three Family$1,201,200 Four Family$1,492,800
Monterey One Family$970,600 Two Family$1,242,550 Three Family$1,501,950 Four Family$1,866,600
Napa One Family$1,017,750 Two Family$1,302,900 Three Family$1,574,900 Four Family$1,957,250
Nevada One Family$644,000 Two Family$824,450 Three Family$996,550 Four Family$1,238,500
Orange One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Placer One Family$763,600 Two Family$977,550 Three Family$1,181,650 Four Family$1,468,500
Plumas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Riverside One Family$672,750 Two Family$861,250 Three Family$1,041,050 Four Family$1,293,750
Sacramento One Family$763,600 Two Family$977,550 Three Family$1,181,650 Four Family$1,468,500
San Benito One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
San Bernardino One Family$672,750 Two Family$861,250 Three Family$1,041,050 Four Family$1,293,750
San Diego One Family$1,077,550 Two Family$1,379,450 Three Family$1,667,450 Four Family$2,072,250
San Francisco One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
San Joaquin One Family$678,500 Two Family$868,600 Three Family$1,049,950 Four Family$1,304,850
San Luis Obispo One Family$967,150 Two Family$1,238,150 Three Family$1,496,600 Four Family$1,859,950
San Mateo One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Santa Barbara One Family$913,100 Two Family$1,168,950 Three Family$1,413,000 Four Family$1,756,000
Santa Clara One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Santa Cruz One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Shasta One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sierra One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Siskiyou One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Solano One Family$685,400 Two Family$877,450 Three Family$1,060,600 Four Family$1,318,100
Sonoma One Family$897,000 Two Family$1,148,350 Three Family$1,388,050 Four Family$1,725,050
Stanislaus One Family$535,900 Two Family$686,050 Three Family$829,250 Four Family$1,030,600
Sutter One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tehama One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Trinity One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tulare One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tuolumne One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ventura One Family$1,017,750 Two Family$1,302,900 Three Family$1,574,900 Four Family$1,957,250
Yolo One Family$763,600 Two Family$977,550 Three Family$1,181,650 Four Family$1,468,500
Yuba One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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