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California FHA Home Loans

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2020 California FHA Loan Requirements

California FHA Loan | Requirements | 2020 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 2020 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.

2020 California FHA Loan Limits

Below are the 2020 FHA loan limits for every county in California:

County Single Family 2 Family 3 Family 4 Family
ALAMEDA $765,600 $980,325 $1,184,925 $1,472,550
ALPINE $463,450 $593,300 $717,150 $891,250
AMADOR $355,350 $454,900 $549,850 $683,350
BUTTE $331,760 $424,800 $513,450 $638,100
CALAVERAS $373,750 $478,450 $578,350 $718,750
COLUSA $331,760 $424,800 $513,450 $638,100
CONtrA COSTA $765,600 $980,325 $1,184,925 $1,472,550
DEL NORTE $331,760 $424,800 $513,450 $638,100
EL DORADO $569,250 $728,750 $880,900 $1,094,700
FRESNO $331,760 $424,800 $513,450 $638,100
GLENN $331,760 $424,800 $513,450 $638,100
HUMBOLDT $345,000 $441,650 $533,850 $663,450
IMPERIAL $331,760 $424,800 $513,450 $638,100
INYO $373,750 $478,450 $578,350 $718,750
KERN $331,760 $424,800 $513,450 $638,100
KINGS $331,760 $424,800 $513,450 $638,100
LAKE $331,760 $424,800 $513,450 $638,100
LASSEN $331,760 $424,800 $513,450 $638,100
LOS ANGELES $765,600 $980,325 $1,184,925 $1,472,550
MADERA $331,760 $424,800 $513,450 $638,100
MARIN $765,600 $980,325 $1,184,925 $1,472,550
MARIPOSA $331,760 $424,800 $513,450 $638,100
MENDOCINO $409,400 $524,100 $633,500 $787,300
MERCED $331,760 $424,800 $513,450 $638,100
MODOC $331,760 $424,800 $513,450 $638,100
MONO $529,000 $677,200 $818,600 $1,017,300
MONTEREY $672,750 $861,250 $1,041,050 $1,293,750
NAPA $764,750 $979,000 $1,183,400 $1,470,700
NEVADA $486,450 $622,750 $752,750 $935,500
ORANGE $765,600 $980,325 $1,184,925 $1,472,550
PLACER $569,250 $728,750 $880,900 $1,094,700
PLUMAS $336,950 $431,350 $521,400 $648,000
RIVERSIDE $442,750 $566,800 $685,100 $851,450
SACRAMENTO $569,250 $728,750 $880,900 $1,094,700
SAN BENITO $765,600 $980,325 $1,184,925 $1,472,550
SAN BERNARINO $442,750 $566,800 $685,100 $851,450
SAN DIEGO $701,500 $898,050 $1,085,550 $1,349,050
SAN FRANCISCO $765,600 $980,325 $1,184,925 $1,472,550
SAN JOAQUIN $448,500 $574,150 $694,000 $862,500
SAN JUIS OBISPO $690,000 $883,300 $1,067,750 $1,326,950
SAN MATEO $765,600 $980,325 $1,184,925 $1,472,550
SANTA BARBARA $653,200 $836,200 $1,010,800 $1,256,150
SANTA CLARA $765,600 $980,325 $1,184,925 $1,472,550
SANTA CRUZ $765,600 $980,325 $1,184,925 $1,472,550
SHASTA $331,760 $424,800 $513,450 $638,100
SIERRA $331,760 $424,800 $513,450 $638,100
SISKIYOU $331,760 $424,800 $513,450 $638,100
SOLANO $506,000 $647,750 $783,000 $973,100
SONOMA $704,950 $902,450 $1,090,850 $1,355,700
STANISLAUS $365,700 $468,150 $565,900 $703,250
SUTTER $345,000 $441,650 $533,850 $663,450
TEHAMA $331,760 $424,800 $513,450 $638,100
trINITY $331,760 $424,800 $513,450 $638,100
TULARE $331,760 $424,800 $513,450 $638,100
TUOLUMNE $331,760 $424,800 $513,450 $638,100
VENTURA $713,000 $912,750 $1,103,350 $1,371,150
YOLO $569,250 $728,750 $880,900 $1,094,700
YUBA $345,000 $441,650 $533,850 $663,450

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