One-Time Close Loans | FHA and VA Construction Loans
VA and FHA One-Time Close Construction Loans

2023 FHA Construction Loan Limits in CALIFORNIA tell homebuyers how much borrowing power they have to build a home. VA Limits are set by the lenders.

- Build a Home on Your Own Lot -
VA Loan - One-Time Close Construction Loan
FHA Loan - One-Time Close Construction Loan

2023 VA and FHA Construction Loan Limits

Borrow for Single Family Home Loans in CALIFORNIA Counties

The FHA has a maximum construction loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually, and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers.

Construction loan limits no longer apply to new VA Loans. The Department of Veterans Affairs (commonly referred to as the VA) can now back larger loans than previous allowed. This change doesn't mean that you have unlimited borrowing power. Your lender will still have credit requirements that you need to meet as well as maximum loan amounts based on their own standards. VA lenders establish their own limits based on company policies. The amount we generally see is shown below, labeled as the VA Lender Limit.

Apply Now for Your One-Time Close Constuction Loan
"For 2023, the FHA floor was set at $472,030 for single-family home loans. This lending limit covers most U.S. counties."

58 match(es) found

ALAMEDA County
SAN FRANCISCO-OAKLAND-BERKELEY, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
ALPINE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $497,950
AMADOR County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BUTTE County
CHICO, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CALAVERAS County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
COLUSA County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CONTRA COSTA County
SAN FRANCISCO-OAKLAND-BERKELEY, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
DEL NORTE County
CRESCENT CITY, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
EL DORADO County
SACRAMENTO-ROSEVILLE-FOLSOM, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $763,600
FRESNO County
FRESNO, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
GLENN County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HUMBOLDT County
EUREKA-ARCATA, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
IMPERIAL County
EL CENTRO, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
INYO County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $508,300
KERN County
BAKERSFIELD, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
KINGS County
HANFORD-CORCORAN, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LAKE County
CLEARLAKE, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LASSEN County
SUSANVILLE, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LOS ANGELES County
LOS ANGELES-LONG BEACH-ANAHEIM, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
MADERA County
MADERA, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MARIN County
SAN FRANCISCO-OAKLAND-BERKELEY, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
MARIPOSA County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MENDOCINO County
UKIAH, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $546,250
MERCED County
MERCED, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MODOC County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MONO County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $693,450
MONTEREY County
SALINAS, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $915,400
NAPA County
NAPA, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,017,750
NEVADA County
TRUCKEE-GRASS VALLEY, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $644,000
ORANGE County
LOS ANGELES-LONG BEACH-ANAHEIM, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
PLACER County
SACRAMENTO-ROSEVILLE-FOLSOM, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $763,600
PLUMAS County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
RIVERSIDE County
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $644,000
SACRAMENTO County
SACRAMENTO-ROSEVILLE-FOLSOM, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $763,600
SAN BENITO County
SAN JOSE-SUNNYVALE-SANTA CLARA, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
SAN BERNARDINO County
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $644,000
SAN DIEGO County
SAN DIEGO-CHULA VISTA-CARLSBAD, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $977,500
SAN FRANCISCO County
SAN FRANCISCO-OAKLAND-BERKELEY, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
SAN JOAQUIN County
STOCKTON, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $656,650
SAN LUIS OBISPO County
SAN LUIS OBISPO-PASO ROBLES, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $911,950
SAN MATEO County
SAN FRANCISCO-OAKLAND-BERKELEY, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
SANTA BARBARA County
SANTA MARIA-SANTA BARBARA, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $805,000
SANTA CLARA County
SAN JOSE-SUNNYVALE-SANTA CLARA, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
SANTA CRUZ County
SANTA CRUZ-WATSONVILLE, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $1,089,300
SHASTA County
REDDING, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SIERRA County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SISKIYOU County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SOLANO County
VALLEJO, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $685,400
SONOMA County
SANTA ROSA-PETALUMA, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $861,350
STANISLAUS County
MODESTO, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $517,500
SUTTER County
YUBA CITY, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $488,750
TEHAMA County
RED BLUFF, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
TRINITY County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
TULARE County
VISALIA, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
TUOLUMNE County
SONORA, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
VENTURA County
OXNARD-THOUSAND OAKS-VENTURA, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $948,750
YOLO County
SACRAMENTO-ROSEVILLE-FOLSOM, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $763,600
YUBA County
YUBA CITY, CA
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $488,750

See Your Credit Scores From All 3 Bureaus

Do you know what's on your credit report?

Learn what your score means.

Your Scores Now

OneTimeClose.com is not a government agency. We do not offer or have any affiliation with loan modification, foreclosure prevention, payday loan, or short term loan services. Neither OneTimeClose.com nor its advertisers charge a fee or require anything other than a submission of qualifying information for comparison shopping ads. We do not ask users to surrender or transfer title. We do not ask users to bypass their lender. We encourage users to contact their lawyers, credit counselors, lenders, and housing counselors.

SecureRights Advertiser Contact Information

One and Won is a registered trademark of Texcorp Mortgage Bankers, Inc.