We are here to help you

Call us: 1-866-361-3406

California FHA Home Loans

View Loan Limits - Calculate Your Payment
2022 California FHA Loan Requirements

California FHA Loan | Requirements | 2022 FHA Loan Limits

FHA loans provide a great opportunity to buy a home in California.  The FHA (Federal Housing Administration) was created to help the average American have a chance at owning their own home.  One of the reasons that FHA loans are so popular is because of the low down payment option.  FHA loans allow you to purchase a home with only a 3.5% down payment.  There are also less strict requirements to get an FHA loan (compared to conventional loans), such as being able to qualify with a credit score as low as 500.

California FHA Loan Requirements

Below are some of the basic requirements to get an FHA loan in California.  If you would like to find out if you are eligible for an FHA loan, we can help match you with a lender.  To have an FHA lender contact you, request a free consultation.

  • Credit Score – To qualify for the 3.5% down payment, you must have a 580 credit score or higher. If your credit score is between a 500-579, you still may qualify for an FHA loan, but will be required to put 10% down.
  • Job History – Proof of employment for 2 years is required. It is ok if you have changed jobs, but you need to show consistent employment/income.
  • Financial Statements – You should expect to be required to provide your 2 most recent bank statements, pay stubs, and tax returns.
  • Debt-to-Income – You can not have a debt-to-income ratio higher than 43%.  However, if you have “compensating factors” you might be able to get approved with higher debt levels (a compensating factor could be more money in savings, longer job history, or great credit).
  • Primary Residence – You must occupy the home that you intend to purchase and have it be your primary residence. FHA loans are not available to purchase an investment property, second home, or vacation home.
  • Mortgage Insurance – All FHA loans, regardless of the lender, require two types of mortgage insurance.  This includes the UPMIP (Upfront Mortgage Insurance Premium) and the regular MIP (Mortgage Insurance Premium).  FHA MIP acts similarly to how PMI (Private Mortgage Insurance) on a conventional loan acts.  You can use this FHA loan calculator to estimate your monthly payment and mortgage insurance costs.
  • FHA Loan Limits – FHA loans have maximum lending limits, which are set at the county level. You can view the 2022 FHA loan limits for all counties in California below.

Would you like to see if you qualify for an FHA loan?  We can help match you with a mortgage lender that offers FHA loans in California.  To have an FHA lender contact you, request a free consultation.

2022 California FHA Loan Limits

Below are the 2022 FHA loan limits for every county in California:

County Single Family 2 Family 3 Family 4 Family
ALAMEDA $970,800 $1,243,050 $1,502,475 $1,867,275
ALPINE $463,450 $593,300 $717,150 $891,250
AMADOR $420,680 $538,650 $651,050 $809,150
BUTTE $420,680 $538,650 $651,050 $809,150
CALAVERAS $420,680 $538,650 $651,050 $809,150
COLUSA $420,680 $538,650 $651,050 $809,150
CONTRA COSTA $970,800 $1,243,050 $1,502,475 $1,867,275
DEL NORTE $420,680 $538,650 $651,050 $809,150
EL DORADO $675,050 $864,200 $1,044,600 $1,298,200
FRESNO $420,680 $538,650 $651,050 $809,150
GLENN $420,680 $538,650 $651,050 $809,150
HUMBOLDT $420,680 $538,650 $651,050 $809,150
IMPERIAL $420,680 $538,650 $651,050 $809,150
INYO $431,250 $552,050 $667,350 $829,350
KERN $420,680 $538,650 $651,050 $809,150
KINGS $420,680 $538,650 $651,050 $809,150
LAKE $420,680 $538,650 $651,050 $809,150
LASSEN $420,680 $538,650 $651,050 $809,150
LOS ANGELES $970,800 $1,243,050 $1,502,475 $1,867,275
MADERA $420,680 $538,650 $651,050 $809,150
MARIN $970,800 $1,243,050 $1,502,475 $1,867,275
MARIPOSA $420,680 $538,650 $651,050 $809,150
MENDOCINO $506,000 $647,750 $783,000 $973,100
MERCED $420,680 $538,650 $651,050 $809,150
MODOC $420,680 $538,650 $651,050 $809,150
MONO $563,500 $721,400 $872,000 $1,083,650
MONTEREY $854,450 $1,093,850 $1,322,200 $1,643,200
NAPA $897,000 $1,148,350 $1,388,050 $1,725,050
NEVADA $609,500 $780,250 $943,150 $1,172,150
ORANGE $970,800 $1,243,050 $1,502,475 $1,867,275
PLACER $675,050 $864,200 $1,044,600 $1,298,200
PLUMAS $420,680 $538,650 $651,050 $809,150
RIVERSIDE $562,350 $719,900 $870,200 $1,081,450
SACRAMENTO $675,050 $864,200 $1,044,600 $1,298,200
SAN BENITO $970,800 $1,243,050 $1,502,475 $1,867,275
SAN BERNARDINO $562,350 $719,900 $870,200 $1,081,450
SAN DIEGO $879,750 $1,126,250 $1,361,350 $1,691,850
SAN FRANCISCO $970,800 $1,243,050 $1,502,475 $1,867,275
SAN JOAQUIN $563,500 $721,400 $872,000 $1,083,650
SAN LUIS OBISPO $805,000 $1,030,550 $1,245,700 $1,548,100
SAN MATEO $970,800 $1,243,050 $1,502,475 $1,867,275
SANTA BARBARA $783,150 $1,002,600 $1,211,900 $1,506,100
SANTA CLARA $970,800 $1,243,050 $1,502,475 $1,867,275
SANTA CRUZ $970,800 $1,243,050 $1,502,475 $1,867,275
SHASTA $420,680 $538,650 $651,050 $809,150
SIERRA $420,680 $538,650 $651,050 $809,150
SISKIYOU $420,680 $538,650 $651,050 $809,150
SOLANO $614,100 $786,150 $950,300 $1,181,000
SONOMA $764,750 $979,000 $1,183,400 $1,470,700
STANISLAUS $460,000 $588,850 $711,800 $884,600
SUTTER $420,900 $538,800 $651,300 $809,450
TEHAMA $420,680 $538,650 $651,050 $809,150
TRINITY $420,680 $538,650 $651,050 $809,150
TULARE $420,680 $538,650 $651,050 $809,150
TUOLUMNE $420,680 $538,650 $651,050 $809,150
VENTURA $851,000 $1,089,450 $1,316,900 $1,636,550
YOLO $675,050 $864,200 $1,044,600 $1,298,200
YUBA $420,900 $538,800 $651,300 $809,450

    Get a Free Mortgage Consultation


    Minimum Down Payment Required

    Home Loan Programs Available In:

    Alabama, Alaska, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Kansas, Kentucky, Louisiana, Idaho, Iowa, Illinois, Indiana, Maine, Massachusetts, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.