California FHA Loan Limits for 2015

California FHA Loan Limits for 2015

FHA has re-instanted the HERA FHA Loan Limits called “Permanent High Cost Loan Limits” for the 2014 calendar year.   These were originally authorized in the HERA law passed in the summer of 2009.   The floor FHA Loan Limit for base counties has returned to $271,050, and goes up to FHA loan amounts as high as $625,500 in high cost counties (the ceiling).   All single family FHA Loans that exceed $417K are called FHA Jumbo or FHA High Balance Loans.

VanDyk offers FHA Loans up to the full FHA county loan limit for every area that we serve.  FHA Loans for single family homes are available up to $625,500 in higher cost counties such as Los Angeles, San Francisco, Alameda, Contra Costra, Orange County, Santa Clara, Santa Cruz, San Benito, Marin, and Santa Barbara.  San Diego Homebuyers and Homeowners can get FHA Loans up to $546,250, Riverside and San Bernardino up to $355,350, Sacramento, El Dorado, and Placer counties up to $474,950.

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).

–>  Find 2015 California Conventional Loan Limits here

Here is a list of the FHA loan limits for Single Family (includes condos), Duplex ( 2 Unit), Tri-plex (3 Unit) and Four-Plex (4 Unit)  for all California counties:

County Name

One-Family Two-Family Three-Family Four-Family

ALAMEDA

$625,500

$800,775

$967,950

$1,202,925

ALPINE

$463,450

$593,300

$717,150

$891,250

AMADOR

$332,350

$425,450

$514,300

$639,150

BUTTE

$293,250

$375,400

$453,750

$563,950

CALAVERAS

$373,750

$478,450

$578,350

$718,750

COLUSA

$271,050

$347,000

$419,425

$521,250

CONTRA COSTA

$625,500

$800,775

$967,950

$1,202,925

DEL NORTE

$271,050

$347,000

$419,425

$521,250

EL DORADO

$474,950

$608,000

$734,950

$913,350

FRESNO

$281,750

$360,700

$436,000

$541,800

GLENN

$271,050

$347,000

$419,425

$521,250

HUMBOLDT

$327,750

$419,550

$507,150

$630,300

IMPERIAL

$271,050

$347,000

$419,425

$521,250

INYO

$369,150

$472,550

$571,250

$709,900

KERN

$271,050

$347,000

$419,425

$521,250

KINGS

$271,050

$347,000

$419,425

$521,250

LAKE

$271,050

$347,000

$419,425

$521,250

LASSEN

$271,050

$347,000

$419,425

$521,250

LOS ANGELES

$625,500

$800,775

$967,950

$1,202,925

MADERA

$271,050

$347,000

$419,425

$521,250

MARIN

$625,500

$800,775

$967,950

$1,202,925

MARIPOSA

$322,000

$412,200

$498,250

$619,250

MENDOCINO

$373,750

$478,450

$578,350

$718,750

MERCED

$271,050

$347,000

$419,425

$521,250

MODOC

$271,050

$347,000

$419,425

$521,250

MONO

$529,000

$677,200

$818,600

$1,017,300

MONTEREY

$502,550

$643,350

$777,650

$966,450

NAPA

$615,250

$787,650

$952,050

$1,183,200

NEVADA

$477,250

$610,950

$738,500

$917,800

ORANGE

$625,500

$800,775

$967,950

$1,202,925

PLACER

$474,950

$608,000

$734,950

$913,350

PLUMAS

$336,950

$431,350

$521,400

$648,000

RIVERSIDE

$355,350

$454,900

$549,850

$683,350

SACRAMENTO

$474,950

$608,000

$734,950

$913,350

SAN BENITO

$625,500

$800,775

$967,950

$1,202,925

SAN BERNARDINO

$355,350

$454,900

$549,850

$683,350

SAN DIEGO

$562,350

$719,900

$870,200

$1,081,450

SAN FRANCISCO

$625,500

$800,775

$967,950

$1,202,925

SAN JOAQUIN

$304,750

$390,100

$471,550

$586,050

SAN LUIS OBISPO

$561,200

$718,450

$868,400

$1,079,250

SAN MATEO

$625,500

$800,775

$967,950

$1,202,925

SANTA BARBARA

$625,500

$800,775

$967,950

$1,202,925

SANTA CLARA

$625,500

$800,775

$967,950

$1,202,925

SANTA CRUZ

$625,500

$800,775

$967,950

$1,202,925

SHASTA

$273,700

$350,350

$423,500

$526,350

SIERRA

$304,750

$390,100

$471,550

$586,050

SISKIYOU

$271,050

$347,000

$419,425

$521,250

SOLANO

$400,200

$512,300

$619,300

$769,600

SONOMA

$520,950

$666,900

$806,150

$1,001,850

STANISLAUS

$276,000

$353,300

$427,100

$530,750

SUTTER

$271,050

$347,000

$419,425

$521,250

TEHAMA

$271,050

$347,000

$419,425

$521,250

TRINITY

$271,050

$347,000

$419,425

$521,250

TULARE

$271,050

$347,000

$419,425

$521,250

TUOLUMNE

$331,200

$424,000

$512,500

$636,900

VENTURA

$603,750

$772,900

$934,250

$1,161,050

YOLO

$474,950

$608,000

$734,950

$913,350

YUBA

$271,050

$347,000

$419,425

$521,250

 

VanDyk Mortgage has been making FHA loans since 1987.    We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender.  We are also a Proud VA Direct Lender.   Go with the Government Loan Pros, go with VanDyk.    Call Brian Skaar direct at 760-752-4480 to get started with your FHA purchase loan or FHA Refinance.