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

2021 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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2021 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 2021, the FHA floor was set at $356,362 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 $822,375
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 $364,550
BUTTE County
CHICO, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
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 $356,362
CONTRA COSTA County
SAN FRANCISCO-OAKLAND-BERKELEY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
DEL NORTE County
CRESCENT CITY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
EL DORADO County
SACRAMENTO-ROSEVILLE-FOLSOM, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $598,000
FRESNO County
FRESNO, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GLENN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HUMBOLDT County
EUREKA-ARCATA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,500
IMPERIAL County
EL CENTRO, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
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 $356,362
KINGS County
HANFORD-CORCORAN, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LAKE County
CLEARLAKE, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LASSEN County
SUSANVILLE, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LOS ANGELES County
LOS ANGELES-LONG BEACH-ANAHEIM, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
MADERA County
MADERA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MARIN County
SAN FRANCISCO-OAKLAND-BERKELEY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
MARIPOSA County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MENDOCINO County
UKIAH, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $442,750
MERCED County
MERCED, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MODOC County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
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 $739,450
NAPA County
NAPA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $816,500
NEVADA County
TRUCKEE-GRASS VALLEY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $526,700
ORANGE County
LOS ANGELES-LONG BEACH-ANAHEIM, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
PLACER County
SACRAMENTO-ROSEVILLE-FOLSOM, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $598,000
PLUMAS County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
RIVERSIDE County
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $477,250
SACRAMENTO County
SACRAMENTO-ROSEVILLE-FOLSOM, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $598,000
SAN BENITO County
SAN JOSE-SUNNYVALE-SANTA CLARA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
SAN BERNARDINO County
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $477,250
SAN DIEGO County
SAN DIEGO-CHULA VISTA-CARLSBAD, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $753,250
SAN FRANCISCO County
SAN FRANCISCO-OAKLAND-BERKELEY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
SAN JOAQUIN County
STOCKTON, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $483,000
SAN LUIS OBISPO County
SAN LUIS OBISPO-PASO ROBLES, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $701,500
SAN MATEO County
SAN FRANCISCO-OAKLAND-BERKELEY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
SANTA BARBARA County
SANTA MARIA-SANTA BARBARA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $660,100
SANTA CLARA County
SAN JOSE-SUNNYVALE-SANTA CLARA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
SANTA CRUZ County
SANTA CRUZ-WATSONVILLE, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
SHASTA County
REDDING, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SIERRA County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SISKIYOU County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SOLANO County
VALLEJO, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $550,850
SONOMA County
SANTA ROSA-PETALUMA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $707,250
STANISLAUS County
MODESTO, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $396,750
SUTTER County
YUBA CITY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $373,750
TEHAMA County
RED BLUFF, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
TRINITY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
TULARE County
VISALIA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
TUOLUMNE County
SONORA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
VENTURA County
OXNARD-THOUSAND OAKS-VENTURA, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $739,450
YOLO County
SACRAMENTO-ROSEVILLE-FOLSOM, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $598,000
YUBA County
YUBA CITY, CA
VA Lender Limit FHA Loan Limit
$1,000,000 $373,750

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