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California FHA Home Loans

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2023 California FHA Loan Requirements

California FHA Loan | Requirements | 2023 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 2023 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.

2023 California FHA Loan Limits

Below are the 2023 FHA loan limits for every county in California:

County Single Family 2 Family 3 Family 4 Family
ALAMEDA  $1,089,300  $1,394,775  $1,685,850  $2,095,200
ALPINE  $497,950  $637,450  $770,550  $957,600
AMADOR  $472,030  $604,400  $730,525  $907,900
BUTTE  $472,030  $604,400  $730,525  $907,900
CALAVERAS  $472,030  $604,400  $730,525  $907,900
COLUSA  $472,030  $604,400  $730,525  $907,900
CONTRA COSTA  $1,089,300  $1,394,775  $1,685,850  $2,095,200
DEL NORTE  $472,030  $604,400  $730,525  $907,900
EL DORADO  $763,600  $977,550  $1,181,650  $1,468,500
FRESNO  $472,030  $604,400  $730,525  $907,900
GLENN  $472,030  $604,400  $730,525  $907,900
HUMBOLDT  $472,030  $604,400  $730,525  $907,900
IMPERIAL  $472,030  $604,400  $730,525  $907,900
INYO  $508,300  $650,700  $786,550  $977,500
KERN  $472,030  $604,400  $730,525  $907,900
KINGS  $472,030  $604,400  $730,525  $907,900
LAKE  $472,030  $604,400  $730,525  $907,900
LASSEN  $472,030  $604,400  $730,525  $907,900
LOS ANGELES  $1,089,300  $1,394,775  $1,685,850  $2,095,200
MADERA  $472,030  $604,400  $730,525  $907,900
MARIN  $1,089,300  $1,394,775  $1,685,850  $2,095,200
MARIPOSA  $472,030  $604,400  $730,525  $907,900
MENDOCINO  $546,250  $699,300  $845,300  $1,050,500
MERCED  $472,030  $604,400  $730,525  $907,900
MODOC  $472,030  $604,400  $730,525  $907,900
MONO  $693,450  $887,750  $1,073,100  $1,333,600
MONTEREY  $915,400  $1,171,900  $1,416,550  $1,760,400
NAPA  $1,017,750  $1,302,900  $1,574,900  $1,957,250
NEVADA  $644,000  $824,450  $996,550  $1,238,500
ORANGE  $1,089,300  $1,394,775  $1,685,850  $2,095,200
PLACER  $763,600  $977,550  $1,181,650  $1,468,500
PLUMAS  $472,030  $604,400  $730,525  $907,900
RIVERSIDE  $644,000  $824,450  $996,550  $1,238,500
SACRAMENTO  $763,600  $977,550  $1,181,650  $1,468,500
SAN BENITO  $1,089,300  $1,394,775  $1,685,850  $2,095,200
SAN BERNARDINO  $644,000  $824,450  $996,550  $1,238,500
SAN DIEGO  $977,500  $1,251,400  $1,512,650  $1,879,850
SAN FRANCISCO  $1,089,300  $1,394,775  $1,685,850  $2,095,200
SAN JOAQUIN  $656,650  $840,650  $1,016,150  $1,262,800
SAN LUIS OBISPO  $911,950  $1,167,450  $1,411,200  $1,753,800
SAN MATEO  $1,089,300  $1,394,775  $1,685,850  $2,095,200
SANTA BARBARA  $805,000  $1,030,550  $1,245,700  $1,548,100
SANTA CLARA  $1,089,300  $1,394,775  $1,685,850  $2,095,200
SANTA CRUZ  $1,089,300  $1,394,775  $1,685,850  $2,095,200
SHASTA  $472,030  $604,400  $730,525  $907,900
SIERRA  $472,030  $604,400  $730,525  $907,900
SISKIYOU  $472,030  $604,400  $730,525  $907,900
SOLANO  $685,400  $877,450  $1,060,600  $1,318,100
SONOMA  $861,350  $1,102,700  $1,332,900  $1,656,450
STANISLAUS  $517,500  $662,500  $800,800  $995,200
SUTTER  $488,750  $625,700  $756,300  $939,900
TEHAMA  $472,030  $604,400  $730,525  $907,900
TRINITY  $472,030  $604,400  $730,525  $907,900
TULARE  $472,030  $604,400  $730,525  $907,900
TUOLUMNE  $472,030  $604,400  $730,525  $907,900
VENTURA  $948,750  $1,214,600  $1,468,150  $1,824,550
YOLO  $763,600  $977,550  $1,181,650  $1,468,500
YUBA  $488,750  $625,700  $756,300  $939,900

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