Home Loans and Support

California FHA Loan Limits for 2014

Discussion in 'FHA Loans, Requirements & Rates' started by Erik Sandstrom, Dec 30, 2013.

  1. Erik Sandstrom

    Erik Sandstrom Mortgage Expert - Call 1-800-779-4547

    What is a Loan Limit?

    A loan limit is the maximum allowable size for a mortgage. They can vary by product (conventional, FHA, jumbo, high balance...etc) and region. An example of this would be a conventional jumbo or high balance product is going to have a different limit than a government backed FHA loan or VA loan. Loans that exceed these limits cannot be insurance or guaranteed which means anything additional would be an out of pocket expense for the borrower.

    Below is a list of loan limit sizes for FHA loans only, if you would like to know limits for different programs, don’t hesitate to reach out to me via e-mail or phone.

    [TABLE="width: 655"]
    <tbody>[TR]
    [TD="colspan: 5, align: center"]2014 California FHA Loan Limits by County[/TD]
    [/TR]
    [TR]
    [TD]County Name[/TD]
    [TD]Single Family[/TD]
    [TD]Duplex[/TD]
    [TD]Tri-plex[/TD]
    [TD]Four-plex[/TD]
    [/TR]
    [TR]
    [TD]Alameda
    San Francisco, Oakland, Hayward[/TD]
    [TD]$625,500[/TD]
    [TD]$800,775[/TD]
    [TD]$967,950[/TD]
    [TD]$1,202,925[/TD]
    [/TR]
    [TR]
    [TD]Alpine
    Non-Metro[/TD]
    [TD]$463,450[/TD]
    [TD]$593,300[/TD]
    [TD]$717,150[/TD]
    [TD]$891,250[/TD]
    [/TR]
    [TR]
    [TD]Amador
    Non-Metro[/TD]
    [TD]$332,350[/TD]
    [TD]$425,450[/TD]
    [TD]$514,300[/TD]
    [TD]$639,150[/TD]
    [/TR]
    [TR]
    [TD]Butte
    Chico[/TD]
    [TD]$293,250[/TD]
    [TD]$375,400[/TD]
    [TD]$453,750[/TD]
    [TD]$563,950[/TD]
    [/TR]
    [TR]
    [TD]Calaveras
    Non-Metro[/TD]
    [TD]$373,750[/TD]
    [TD]$478,450[/TD]
    [TD]$578,350[/TD]
    [TD]$718,750[/TD]
    [/TR]
    [TR]
    [TD]Colusa
    Non-Metro[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]Contra Costa
    San Francisco, Oakland, Hayward[/TD]
    [TD]$625,500[/TD]
    [TD]$800,775[/TD]
    [TD]$967,950[/TD]
    [TD]$1,202,925[/TD]
    [/TR]
    [TR]
    [TD]Del Norte
    Crescent City[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]El Dorado
    Sacramento, Roseville, Arden Arcade[/TD]
    [TD]$474,950[/TD]
    [TD]$608,000[/TD]
    [TD]$734,950[/TD]
    [TD]$913,350[/TD]
    [/TR]
    [TR]
    [TD]Fresno
    Fresno[/TD]
    [TD]$281,750[/TD]
    [TD]$360,700[/TD]
    [TD]$436,000[/TD]
    [TD]$541,800[/TD]
    [/TR]
    [TR]
    [TD]Glenn
    Non-Metro[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]Humboldt
    Eureka, Arcata, Fortuna[/TD]
    [TD]$327,750[/TD]
    [TD]$419,550[/TD]
    [TD]$507,150[/TD]
    [TD]$630,300[/TD]
    [/TR]
    [TR]
    [TD]Imperial
    El Centro[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]Inyo
    Non-Metro[/TD]
    [TD]$369,150[/TD]
    [TD]$472,550[/TD]
    [TD]$571,250[/TD]
    [TD]$709,900[/TD]
    [/TR]
    [TR]
    [TD]Kern
    Bakersfield[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]Kings
    Hanford, Corcoran[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]Lake
    Clearlake, CA[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]Lassen
    Susanville[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]Los Angeles
    Los Angeles, Long Beach, Anaheim[/TD]
    [TD]$625,500[/TD]
    [TD]$800,775[/TD]
    [TD]$967,950[/TD]
    [TD]$1,202,925[/TD]
    [/TR]
    [TR]
    [TD]Madera
    Madera[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]Marin
    San Francisco, Oakland, Hayward[/TD]
    [TD]$625,500[/TD]
    [TD]$800,775[/TD]
    [TD]$967,950[/TD]
    [TD]$1,202,925[/TD]
    [/TR]
    [TR]
    [TD]Mariposa
    Non-Metro[/TD]
    [TD]$322,000[/TD]
    [TD]$412,200[/TD]
    [TD]$498,250[/TD]
    [TD]$619,250[/TD]
    [/TR]
    [TR]
    [TD]Mendocino
    Ukiah[/TD]
    [TD]$373,750[/TD]
    [TD]$478,450[/TD]
    [TD]$578,350[/TD]
    [TD]$718,750[/TD]
    [/TR]
    [TR]
    [TD]Merced
    Merced[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]Modoc
    Non-Metro[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]Mono
    Non-Metro[/TD]
    [TD]$529,250[/TD]
    [TD]$677,200[/TD]
    [TD]$818,600[/TD]
    [TD]$1,017,300[/TD]
    [/TR]
    [TR]
    [TD]Monterey
    Salinas, CA[/TD]
    [TD]$483,000[/TD]
    [TD]$618,300[/TD]
    [TD]$747,400[/TD]
    [TD]$928,850[/TD]
    [/TR]
    [TR]
    [TD]Napa
    Napa[/TD]
    [TD]$529,250[/TD]
    [TD]$758,200[/TD]
    [TD]$916,450[/TD]
    [TD]$1,138,950[/TD]
    [/TR]
    [TR]
    [TD]Nevada
    Truckee, Grass Valley[/TD]
    [TD]$477,250[/TD]
    [TD]$610,950[/TD]
    [TD]$738,500[/TD]
    [TD]$917,800[/TD]
    [/TR]
    [TR]
    [TD]Orange
    Los Angeles, Long Beach, Anaheim[/TD]
    [TD]$625,500[/TD]
    [TD]$800,775[/TD]
    [TD]$967,950[/TD]
    [TD]$1,202,925[/TD]
    [/TR]
    [TR]
    [TD]Placer
    Sacramento, Roseville, Arden, Arcade[/TD]
    [TD]$474,950[/TD]
    [TD]$608,000[/TD]
    [TD]$734,950[/TD]
    [TD]$913,350[/TD]
    [/TR]
    [TR]
    [TD]Plumas
    Non-Metro[/TD]
    [TD]$336,950[/TD]
    [TD]$431,350[/TD]
    [TD]$521,400[/TD]
    [TD]$648,000[/TD]
    [/TR]
    [TR]
    [TD]Riverside
    Riverside, San Bernardino, Ontario[/TD]
    [TD]$355,350[/TD]
    [TD]$454,900[/TD]
    [TD]$549,850[/TD]
    [TD]$683,350[/TD]
    [/TR]
    [TR]
    [TD]San Diego
    San Diego, Carlsbad[/TD]
    [TD]$546,250[/TD]
    [TD]$699,300[/TD]
    [TD]$845,300[/TD]
    [TD]$1,050,500[/TD]
    [/TR]
    [TR]
    [TD]San Francisco
    San Francisco, Oakland, Hayward[/TD]
    [TD]$625,500[/TD]
    [TD]$800,775[/TD]
    [TD]$967,950[/TD]
    [TD]$1,202,925[/TD]
    [/TR]
    [TR]
    [TD]San Joaquin
    Stockton, Lodi[/TD]
    [TD]$304,750[/TD]
    [TD]$390,100[/TD]
    [TD]$471,550[/TD]
    [TD]$586,050[/TD]
    [/TR]
    [TR]
    [TD]San Luis Obispo
    San Luis Obispo, Paso Robles, Arroyo Gran[/TD]
    [TD]$561,200[/TD]
    [TD]$718,450[/TD]
    [TD]$868,400[/TD]
    [TD]$1,079,250[/TD]
    [/TR]
    [TR]
    [TD]San Mateo
    San Francisco, Oakland, Hayward[/TD]
    [TD]$625,500[/TD]
    [TD]$800,775[/TD]
    [TD]$967,950[/TD]
    [TD]$1,202,925[/TD]
    [/TR]
    [TR]
    [TD]Santa Barbara
    Santa Maria, Santa Barbara[/TD]
    [TD]$625,500[/TD]
    [TD]$800,775[/TD]
    [TD]$967,950[/TD]
    [TD]$1,202,925[/TD]
    [/TR]
    [TR]
    [TD]Santa Clara
    San Jose, Sunnyvale, Santa Clara[/TD]
    [TD]$625,500[/TD]
    [TD]$800,775[/TD]
    [TD]$967,950[/TD]
    [TD]$1,202,925[/TD]
    [/TR]
    [TR]
    [TD]Santa Cruz
    Santa Cruz, Watsonville[/TD]
    [TD]$625,500[/TD]
    [TD]$800,775[/TD]
    [TD]$967,950[/TD]
    [TD]$1,202,925[/TD]
    [/TR]
    [TR]
    [TD]Shasta
    Redding[/TD]
    [TD]$273,700[/TD]
    [TD]$350,350[/TD]
    [TD]$423,500[/TD]
    [TD]$526,350[/TD]
    [/TR]
    [TR]
    [TD]Sierra
    Non-Metro[/TD]
    [TD]$304,750[/TD]
    [TD]$390,100[/TD]
    [TD]$471,550[/TD]
    [TD]$586,050[/TD]
    [/TR]
    [TR]
    [TD]Siskiyou
    Non-Metro[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]Solano
    Vallejo, Fairfield[/TD]
    [TD]$400,200[/TD]
    [TD]$512,300[/TD]
    [TD]$619,300[/TD]
    [TD]$769,600[/TD]
    [/TR]
    [TR]
    [TD]Sonoma
    Santa Rosa[/TD]
    [TD]$520,950[/TD]
    [TD]$666,900[/TD]
    [TD]$806,150[/TD]
    [TD]1,001,850[/TD]
    [/TR]
    [TR]
    [TD]Stanislaus
    Modesto[/TD]
    [TD]$276,000[/TD]
    [TD]$353,300[/TD]
    [TD]$427,100[/TD]
    [TD]$530,750[/TD]
    [/TR]
    [TR]
    [TD]Sutter
    Yuba City[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]Tehama
    Red Bluff[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]Trinity
    Non-Metro[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]Tulare
    Visalia, Porterville[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    [TR]
    [TD]Tuolumne
    Sonora, CA[/TD]
    [TD]$331,200[/TD]
    [TD]$424,000[/TD]
    [TD]$512,500[/TD]
    [TD]$636,900[/TD]
    [/TR]
    [TR]
    [TD]Ventura
    Oxnard, Thousand Oaks, Ventura[/TD]
    [TD]$598,000[/TD]
    [TD]$765,550[/TD]
    [TD]$925,350[/TD]
    [TD]$1,150,000[/TD]
    [/TR]
    [TR]
    [TD]Yolo
    Sacramento, Roseville, Arden, Arcade[/TD]
    [TD]$474,950[/TD]
    [TD]$608,000[/TD]
    [TD]$734,950[/TD]
    [TD]$913,350[/TD]
    [/TR]
    [TR]
    [TD]Yuba
    Yuba City[/TD]
    [TD]$271,050[/TD]
    [TD]$347,000[/TD]
    [TD]$419,425[/TD]
    [TD]$521,250[/TD]
    [/TR]
    </tbody>[/TABLE]

    If you would like to get pre-approved for a new home loan, refinance or just have any question regarding real estate I always make myself available.
  2. Evan Bedard

    Evan Bedard Call 1-800-779-4547 Loan Safe Mortgage

    Thanks for sharing the new 2014 FHA loan limits with the community Erik!! For those who are not aware, FHA loan limits have decreased from $729,750 to $625,500 (beginning January 1st) in most high-cost areas.

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