2022 California FHA Loan Limits By County

    2022 California FHA Loan Limits By County

    Home Buying

    May 26 2022

    2022 FHA Loan Limits – both “floor” and “ceiling” loan limits will increase from $356,362 and $822,375 in Calendar Year 2021 to $420,680 and $970,800 in CY 2022, respectively, for a one-unit property. These limits are applicable to loan applications taken between January 1, 2022, to December 31, 2022.

    Low-cost Area 2022 FHA Loan Limit
    The FHA national low-cost area mortgage limits, which are set at 65 percent of the national conforming limit of $647,200 for a one-unit Property, are, by property unit number, as follows:
    One-unit: $420,680
    Two-unit: $538,650
    Three-unit: $651,050
    Four-unit: $809,150

    High-cost Area 2022 FHA Loan Limit

    The FHA national high-cost area mortgage limits, which are set at 150 percent of the national conforming limit of $647,200 for a one-unit property, are, by property unit number, as follows:
    One-unit: $970,800
    Two-unit: $1,243,050
    Three-unit: $1,502,475
    Four-unit: $1,867,275

    The following table lists the 2022 FHA loan limit thresholds for low-cost and high-cost areas:

    Property Size Low-Cost Area (Floor) High-Cost Area (Ceiling)
    1-Unit $420,680 $970,800
    2-Unit $538,650 $1,243,050
    3-Unit $651,050 $1,502,475
    4-Unit $809,150 $1,867,275


    What do the 2022 FHA Loan Limits mean for you?

    This means that if you are buying a home using an FHA loan, you may be able to purchase a house up to $435,900 with only a 3.5% down payment. Even if you are not a homebuyer, you will be able to refinance a house up to that value with 3.5% equity.

    In high-cost areas, like several counties in California, you will be able to buy a home up to $1,006,000 with only a 3.5% down payment. This is assuming you qualify on all other loan parameters and requirements.

    These limits/ceilings are for 1-unit properties like Single Family Residences, Townhomes, and Condominiums. If you’re buying a multi-unit home, the loan amounts can be much higher as you can see from the table above.

    (https://www.mortgageblog.com/2022-fha-loan-limits-makes-a-big-jump/)

     

    2022 FHA Mortgage Limits In California, By County

     

    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

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