One-Time Close Loans | FHA, VA, and USDA
Learn all about the VA, USDA, and FHA versions of the One-Time Close Loan.

2020 FHA Loan Limits in CALIFORNIA tell homebuyers how much borrowing power they have to build a home in their state, city, and county. VA Limits are set by the lenders.

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2020 FHA Loan Limits and VA Lender Limits

Limits for Single Family Home Loans in CALIFORNIA Counties

The FHA has a maximum 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.

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.

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"For 2020, the FHA floor was set at $331,760 for single-family home loans. This minimum lending amount covers 80% of all U.S. counties."

58 match(es) found

ALAMEDA County
SAN FRANCISCO-OAKLAND-BERKELEY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $765,600
ALPINE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $463,450
AMADOR County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $355,350
BUTTE County
CHICO, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
CALAVERAS County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $373,750
COLUSA County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
CONTRA COSTA County
SAN FRANCISCO-OAKLAND-BERKELEY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $765,600
DEL NORTE County
CRESCENT CITY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
EL DORADO County
SACRAMENTO-ROSEVILLE-FOLSOM, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $569,250
FRESNO County
FRESNO, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
GLENN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
HUMBOLDT County
EUREKA-ARCATA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $345,000
IMPERIAL County
EL CENTRO, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
INYO County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $373,750
KERN County
BAKERSFIELD, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
KINGS County
HANFORD-CORCORAN, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
LAKE County
CLEARLAKE, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
LASSEN County
SUSANVILLE, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
LOS ANGELES County
LOS ANGELES-LONG BEACH-ANAHEIM, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $765,600
MADERA County
MADERA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
MARIN County
SAN FRANCISCO-OAKLAND-BERKELEY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $765,600
MARIPOSA County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
MENDOCINO County
UKIAH, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $409,400
MERCED County
MERCED, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
MODOC County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
MONO County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $529,000
MONTEREY County
SALINAS, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $672,750
NAPA County
NAPA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $764,750
NEVADA County
TRUCKEE-GRASS VALLEY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $486,450
ORANGE County
LOS ANGELES-LONG BEACH-ANAHEIM, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $765,600
PLACER County
SACRAMENTO-ROSEVILLE-FOLSOM, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $569,250
PLUMAS County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $336,950
RIVERSIDE County
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $442,750
SACRAMENTO County
SACRAMENTO-ROSEVILLE-FOLSOM, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $569,250
SAN BENITO County
SAN JOSE-SUNNYVALE-SANTA CLARA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $765,600
SAN BERNARDINO County
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $442,750
SAN DIEGO County
SAN DIEGO-CHULA VISTA-CARLSBAD, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $701,500
SAN FRANCISCO County
SAN FRANCISCO-OAKLAND-BERKELEY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $765,600
SAN JOAQUIN County
STOCKTON, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $448,500
SAN LUIS OBISPO County
SAN LUIS OBISPO-PASO ROBLES, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $690,000
SAN MATEO County
SAN FRANCISCO-OAKLAND-BERKELEY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $765,600
SANTA BARBARA County
SANTA MARIA-SANTA BARBARA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $653,200
SANTA CLARA County
SAN JOSE-SUNNYVALE-SANTA CLARA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $765,600
SANTA CRUZ County
SANTA CRUZ-WATSONVILLE, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $765,600
SHASTA County
REDDING, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
SIERRA County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
SISKIYOU County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
SOLANO County
VALLEJO, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $506,000
SONOMA County
SANTA ROSA-PETALUMA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $704,950
STANISLAUS County
MODESTO, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $365,700
SUTTER County
YUBA CITY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $345,000
TEHAMA County
RED BLUFF, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
TRINITY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
TULARE County
VISALIA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
TUOLUMNE County
SONORA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $331,760
VENTURA County
OXNARD-THOUSAND OAKS-VENTURA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $713,000
YOLO County
SACRAMENTO-ROSEVILLE-FOLSOM, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $569,250
YUBA County
YUBA CITY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $345,000

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