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California is the largest mortgage market in the country by dollar volume. Most coastal and Bay Area counties are designated high-balance, with conforming limits of $1,209,750 — meaningfully above the national floor. Median home prices in San Francisco, San Mateo, Santa Clara, and Marin counties remain above $1.5M.
California high-cost-area FHA limits go up to $1,209,750 in the top counties — the highest in the country. FHA can absolutely work in San Francisco, San Mateo, and Los Angeles, despite the high prices.
Check the key requirements to see if you qualify.
A credit score of 580 or higher qualifies you for the minimum 3.5% down payment. Scores between 500-579 may still qualify with a 10% down payment.
One of the lowest down payment options available. Your down payment can come from savings, gifts from family, or down payment assistance programs.
Your total monthly debt payments (including your new mortgage) should typically be 43% or less of your gross monthly income.
A steady employment history of at least 2 years is typically required. Self-employed borrowers may qualify with 2 years of tax returns.
Lending Arena, NMLS #1603937. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and/or the California Finance Lenders Law. Equal Housing Lender. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. All loans are subject to credit and property approval. Do Not Sell or Share My Personal Information requests can be submitted to privacy@lendingarena.com.