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.
"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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