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2022 FHA Limit For California is $420,680 and goes up to $970,800 for high-cost counties for one-unit properties.
2022 FHA Limit For California for 2-unit properties is $538,650 and goes up to $1,243,050 for high-cost counties.

What is FHA Loan Limit?

Federal Housing Administration (FHA) are loans that follow guidelines from FHA and are also insured by Housing Urban Development (HUD).

2022 FHA Loan Limits for California (CA) were announced at the end of 2021. These are the maximum loan amounts that FHA will allow for those counties. The loan limits are derived from the average home prices in that county the year before (2021, in this case).

These loans allow downpayments as low as 3.5% and offer flexible underwriting guidelines for qualifications, sometimes allowing for debt to income ratios higher than 50% and credit scores under 600.;

You can use 2022 FHALoan Limits to buy only Primary Residence. Second (vacation) home and investment (rental) property are not eligible for FHA loans.

Single-family homes, condos, and townhomes are considered 1-unit properties.

For 2022, the Home Equity Conversion Mortgage (HECM), also called Reverse Mortgage. maximum nationwide claim amount will be $970,800 for all areas, through December 31, 2022

2022  FHA Mortgage Limits for Alameda County

  • 1 Unit  – $970,800
  • 2 Unit – $1,243,050
  • 3 Unit – $1,502,475
  • 4 Unit – $1,867,275

2022 FHA Mortgage Limits for Alpine County

  • 1 Unit – $463,450
  • 2 Unit – $593,300
  • 3 Unit – $717,150
  • 4 Unit – $891,250

2022 FHA Mortgage Limits for Amador County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Butte County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Calaveras County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Colusa County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Contra Costa County

  • 1 Unit  – $970,800
  • 2 Unit – $1,243,050
  • 3 Unit – $1,502,475
  • 4 Unit – $1,867,275

2022 FHA Mortgage Limits for Del Norte County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for El Dorado County

  • 1 Unit  – $675,050
  • 2 Unit – $864,200
  • 3 Unit – $1,044,600
  • 4 Unit – $1,298,200

2022 FHA Mortgage Limits for Fresno County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Glenn County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Humboldt County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Imperial County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Inyo County

  • 1 Unit  – $431,250
  • 2 Unit – $552,050
  • 3 Unit – $667,350
  • 4 Unit – $829,350

2022 FHA Mortgage Limits for Kern County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Kings County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Lake County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Lassen County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Los Angeles County

  • 1 Unit  – $970,800
  • 2 Unit – $1,243,050
  • 3 Unit – $1,502,475
  • 4 Unit – $1,867,275

2022 FHA Mortgage Limits for Madera County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Marin County

  • 1 Unit  – $970,800
  • 2 Unit – $1,243,050
  • 3 Unit – $1,502,475
  • 4 Unit – $1,867,275

2022 FHA Mortgage Limits for Mariposa County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Mendocino County

  • 1 Unit – $506,000
  • 2 Unit – $647,750
  • 3 Unit – $783,000
  • 4 Unit – $973,100

2022 FHA Mortgage Limits for Merced County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Modoc County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Mono County

  • 1 Unit  – $563,500
  • 2 Unit – $721,400
  • 3 Unit – $872,000
  • 4 Unit – $1,083,650

2022 FHA Mortgage Limits for Monterey County:

  • 1 Unit  – $854,450
  • 2 Unit – $1,093,850
  • 3 Unit – $1,322,200
  • 4 Unit – $1,643,200

2022 FHA Mortgage Limits for Napa County:

  • 1 Unit  – $897,000
  • 2 Unit – $1,148,350
  • 3 Unit – $1,388,050
  • 4 Unit – $1,725,050

2022 FHA Mortgage Limits for Nevada County:

  • 1 Unit – $609,500
  • 2 Unit – $780,250
  • 3 Unit – $943,150
  • 4 Unit – $1,172,150

2022 FHA Mortgage Limits for Orange County

  • 1 Unit  – $970,800
  • 2 Unit – $1,243,050
  • 3 Unit – $1,502,475
  • 4 Unit – $1,867,275

2022 FHA Mortgage Limits for Placer County

  • 1 Unit  – $675,050
  • 2 Unit – $864,200
  • 3 Unit – $1,044,600
  • 4 Unit – $1,298,200

2022 FHA Mortgage Limits for Plumas County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Riverside County

  • 1 Unit  – $562,350
  • 2 Unit – $719,900
  • 3 Unit – $870,200
  • 4 Unit – $1,081,450

2022 FHA Mortgage Limits for Sacramento County

  • 1 Unit  – $675,050
  • 2 Unit – $864,200
  • 3 Unit – $1,044,600
  • 4 Unit – $1,298,200

2022 FHA Mortgage Limits for San Benito County

  • 1 Unit  – $970,800
  • 2 Unit – $1,243,050
  • 3 Unit – $1,502,475
  • 4 Unit – $1,867,275

2022 FHA Mortgage Limits for San Bernardino County

  • 1 Unit  – $562,350
  • 2 Unit – $719,900
  • 3 Unit – $870,200
  • 4 Unit – $1,081,450

2022 FHA Mortgage Limits for San Diego County

  • 1 Unit – $879,750
  • 2 Unit – $1,126,250
  • 3 Unit – $1,361,350
  • 4 Unit – $1,691,850

2022 FHA Mortgage Limits for San Francisco County

  • 1 Unit  – $970,800
  • 2 Unit – $1,243,050
  • 3 Unit – $1,502,475
  • 4 Unit – $1,867,275

2022 FHA Mortgage Limits for San Joaquin County

  • 1 Unit  – $563,500
  • 2 Unit – $721,400
  • 3 Unit – $872,000
  • 4 Unit – $1,083,650

2022 FHA Mortgage Limits for San Luis Obispo County

  • 1  Unit – $805,000
  • 2 Unit – $1,030,550
  • 3 Unit – $1,245,700
  • 4 Unit – $1,548,100

2022 FHA Mortgage Limits for San Mateo County

  • 1 Unit  – $970,800
  • 2 Unit – $1,243,050
  • 3 Unit – $1,502,475
  • 4 Unit – $1,867,275

2022 FHA Mortgage Limits for Santa Barbara County

  • 1 Unit  – $783,150
  • 2 Unit – $1,002,600
  • 3 Unit – $1,211,900
  • 4 Unit – $1,506,100

2022 FHA Mortgage Limits for Santa Clara County

  • 1 Unit  – $970,800
  • 2 Unit – $1,243,050
  • 3 Unit – $1,502,475
  • 4 Unit – $1,867,275

2022 FHA Mortgage Limits for Santa Cruz County

  • 1 Unit  – $970,800
  • 2 Unit – $1,243,050
  • 3 Unit – $1,502,475
  • 4 Unit – $1,867,275

2022 FHA Mortgage Limits for Shasta County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Sierra County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Siskiyou County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Solano County

  • 1 Unit  – $614,100
  • 2 Unit – $786,150
  • 3 Unit – $950,300
  • 4 Unit – $1,181,000

2022 FHA Mortgage Limits for Sonoma County

  • 1 Unit – $764,750
  • 2 Unit – $979,000
  • 3 Unit – $1,183,400
  • 4 Unit – $1,470,700

2022 FHA Mortgage Limits for Stanislaus County

  • 1 Unit  – $460,000
  • 2 Unit – $588,850
  • 3 Unit – $711,800
  • 4 Unit – $884,600

2022 FHA Mortgage Limits for Sutter County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Tehama County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Trinity County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Tulare County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Tuolumne County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150

2022 FHA Mortgage Limits for Ventura County

  • 1 Unit  – $851,000
  • 2 Unit – $1,089,450
  • 3 Unit – $1,316,900
  • 4 Unit – $1,636,550

2022 FHA Mortgage Limits for Yolo County

  • 1 Unit  – $675,050
  • 2 Unit – $864,200
  • 3 Unit – $1,044,600
  • 4 Unit – $1,298,200

2022 FHA Mortgage Limits for Yuba County

  • 1 Unit  – $420,680
  • 2 Unit – $538,650
  • 3 Unit – $651,050
  • 4 Unit – $809,150