California FHA Loan Limits for 2013

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Mortgage and Lending with VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender NMLS 220268 / 3035

California FHA Loan Limits for 2013

 

For 2013,  Congress has restored the higher FHA Loan Limits also known as Temporary High Balance or FHA Jumbo Loan Limits.   These allow homebuyers to purchase homes in higher cost areas with as little as 3.5% down payment.   The higher FHA Loan Limits also allow homeowners to refinance their non-FHA loans into safe, secure FHA loans up to 97.75% Loan to value, and can even help you consolidate your first and second mortgage in one loan with a 30 year fixed rate.   VanDyk Mortgage allows you to consolidate a second mortgage or Home Equity Line of Credit into a FHA Loan without classifying it as cash out as long as the second is over 12 months old, or the Home Equity Line hasn’t been drawn upon in the last 12 months.   We also allow Cash out Refinances up to 85% with our FHA Loans.  

 

California FHA Loan limits by county for 2013

 

VanDyk offers FHA Loans up to the full FHA loan limit for every county that we serve.   FHA Loans for single family homes are available up to $729,750 in higher cost counties such as Los Angeles, San Francisco, Alameda, Contra Costra, Monterey, Orange County, Santa Clara, Santa Cruz, Ventura, San Benito, Marin, and Santa Barbara.   San Diego Homebuyers and Homeowners can get FHA Loans up to $697,500, Riverside and San Bernardino up to $500,000, Sacramento, El Dorado, and Placer counties up to $580,000.  Here is a list of the FHA loan limits for Single Family, Duples, Tri-plex and Four-Plex for all California counties:

 

County Name Single Family Duplex Tri-plex Four-plex

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ALAMEDA $729,750 $934,200 $1,129,250 $1,403,400

OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION

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ALPINE $547,500 $700,900 $847,200 $1,052,900

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AMADOR $443,750 $568,050 $686,650 $853,350

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BUTTE $400,000 $512,050 $618,950 $769,250

CHICO, CA (MSA)

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CALAVERAS $462,500 $592,050 $715,700 $889,450

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COLUSA $397,500 $508,850 $615,100 $764,400

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CONTRA COSTA $729,750 $934,200 $1,129,250 $1,403,400

OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION

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DEL NORTE $311,250 $398,450 $481,650 $598,550

CRESCENT CITY, CA (MICRO)

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EL DORADO $580,000 $742,500 $897,500 $1,115,400

SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)

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FRESNO $381,250 $488,050 $589,950 $733,150

FRESNO, CA (MSA)

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GLENN $287,500 $368,050 $444,900 $552,900

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HUMBOLDT $393,750 $504,050 $609,300 $757,200

EUREKA-ARCATA-FORTUNA, CA (MICRO)

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IMPERIAL $325,000 $416,050 $502,900 $625,000

EL CENTRO, CA (MSA)

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INYO $437,500 $560,050 $677,000 $841,350

BISHOP, CA (MICRO)

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KERN $368,750 $472,050 $570,600 $709,150

BAKERSFIELD, CA (MSA)

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KINGS $325,000 $416,050 $502,900 $625,000

HANFORD-CORCORAN, CA (MSA)

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LAKE $401,250 $513,650 $620,900 $771,650

CLEARLAKE, CA (MICRO)

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LASSEN $285,000 $364,850 $441,000 $548,050

SUSANVILLE, CA (MICRO)

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LOS ANGELES $729,750 $934,200 $1,129,250 $1,403,400

LOS ANGELES-LONG BEACH-GLENDALE, CA METROPOLITAN D

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MADERA $425,000 $544,050 $657,650 $817,300

MADERA, CA (MSA)

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MARIN $729,750 $934,200 $1,129,250 $1,403,400

SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI

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MARIPOSA $412,500 $528,050 $638,300 $793,250

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MENDOCINO $512,500 $656,100 $793,050 $985,600

UKIAH, CA (MICRO)

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MERCED $472,500 $604,900 $731,150 $908,650

MERCED, CA (MSA)

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MODOC $271,050 $347,000 $419,425 $521,250

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MONO $529,000 $677,200 $818,600 $1,017,300

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MONTEREY $729,750 $934,200 $1,129,250 $1,403,400

SALINAS, CA (MSA)

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NAPA $729,750 $934,200 $1,129,250 $1,403,400

NAPA, CA (MSA)

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NEVADA $562,500 $720,100 $870,450 $1,081,750

TRUCKEE-GRASS VALLEY, CA (MICRO)

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ORANGE $729,750 $934,200 $1,129,250 $1,403,400

SANTA ANA-ANAHEIM-IRVINE, CA METROPOLITAN DIVISION

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PLACER $580,000 $742,500 $897,500 $1,115,400

SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)

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PLUMAS $410,000 $524,850 $634,450 $788,450

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RIVERSIDE $500,000 $640,100 $773,700 $961,550

RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)

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SACRAMENTO $580,000 $742,500 $897,500 $1,115,400

SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)

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SAN BENITO $729,750 $934,200 $1,129,250 $1,403,400

SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)

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SAN BERNARDINO $500,000 $640,100 $773,700 $961,550

RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)

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SAN DIEGO $697,500 $892,950 $1,079,350 $1,341,350

SAN DIEGO-CARLSBAD-SAN MARCOS, CA (MSA)

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SAN FRANCISCO $729,750 $934,200 $1,129,250 $1,403,400

SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI

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SAN JOAQUIN $488,750 $625,700 $756,300 $939,900

STOCKTON, CA (MSA)

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SAN LUIS OBISPO $687,500 $880,100 $1,063,850 $1,322,150

SAN LUIS OBISPO-PASO ROBLES, CA (MSA)

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SAN MATEO $729,750 $934,200 $1,129,250 $1,403,400

SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI

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SANTA BARBARA $729,750 $934,200 $1,129,250 $1,403,400

SANTA BARBARA-SANTA MARIA, CA (MSA)

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SANTA CLARA $729,750 $934,200 $1,129,250 $1,403,400

SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)

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SANTA CRUZ $729,750 $934,200 $1,129,250 $1,403,400

SANTA CRUZ-WATSONVILLE, CA (MSA)

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SHASTA $423,750 $542,450 $655,700 $814,900

REDDING, CA (MSA)

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SIERRA $304,750 $390,100 $471,550 $586,050

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SISKIYOU $293,750 $376,050 $454,550 $564,900

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SOLANO $557,500 $713,700 $862,700 $1,072,150

VALLEJO-FAIRFIELD, CA (MSA)

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SONOMA $662,500 $848,100 $1,025,200 $1,274,050

SANTA ROSA-PETALUMA, CA (MSA)

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STANISLAUS $423,750 $542,450 $655,700 $814,900

MODESTO, CA (MSA)

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SUTTER $425,000 $544,050 $657,650 $817,300

YUBA CITY, CA (MSA)

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TEHAMA $312,500 $400,050 $483,550 $600,950

RED BLUFF, CA (MICRO)

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TRINITY $271,050 $347,000 $419,425 $521,250

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TULARE $325,000 $416,050 $502,900 $625,000

VISALIA-PORTERVILLE, CA (MSA)

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TUOLUMNE $437,500 $560,050 $677,000 $841,350

PHOENIX LAKE-CEDAR RIDGE, CA (MICRO)

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VENTURA $729,750 $934,200 $1,129,250 $1,403,400

OXNARD-THOUSAND OAKS-VENTURA, CA (MSA)

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YOLO $580,000 $742,500 $897,500 $1,115,400

SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)

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YUBA $425,000 $544,050 $657,650 $817,300

YUBA CITY, CA (MSA)

 

VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. VanDyk Mortgage is also a Proud VA Direct Lender. Go with the Government Loan Pros, go with VanDyk. Visit us at http://www.vandykfunding.com/ or call Brian Skaar at 760-752-4480 for help with your FHA loan.We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Jumbo Streamline refinance, FHA Jumbo Purchase, FHA Streamline, VA, VA Streamline, VA Jumbo purchase, VA Jumbo Refinance, VA Cashout refinance, FHA Rehab 203K, VA, Conforming & Jumbo Loans.

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