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California FHA Loan Limits for 2012
For 2012, 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 2012
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
NON-METRO
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AMADOR $443,750 $568,050 $686,650 $853,350
NON-METRO
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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
NON-METRO
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COLUSA $397,500 $508,850 $615,100 $764,400
NON-METRO
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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
NON-METRO
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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
NON-METRO
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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
NON-METRO
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MONO $529,000 $677,200 $818,600 $1,017,300
NON-METRO
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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
NON-METRO
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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
NON-METRO
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SISKIYOU $293,750 $376,050 $454,550 $564,900
NON-METRO
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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
NON-METRO
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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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