California FHA Loan Rates, Closing Costs & Stats
California
FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.
FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.
While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.
For additional requirements as defined by the FHA, click here.
California FHA Loans, 30 Year Fixed Rates
30 Year FHA mortgages in California
averaged
6.27%
for the week of 2025-04-04, compared to the national average (all FHA variants) of
6.259% for the same period.
California's average FHA mortgage closing costs are $13,270.
The average rate for the prior week (2025-03-28) was
6.56% and
one month ago for the week of 2025-02-28, the
average rate was 6.55%.
The average rate one year ago was 6.87%.
For refis of the same type during the week of 2025-04-04, the average rate
was 5.99%.
California FHA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the California level.
The top California FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
10,994 FHA loans originated. Their average total fees are
$19,262, which is $1,666
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee California FHA lenders (with over 10 loans originated) are
MID AMERICA MORTGAGE, INC. ($9,648), VILLAGE CAPITAL MORTGAGE ($10,095), Mortgage Research Center, LLC ($10,395), ALTITUDE FINANCIAL CORPORATION ($10,780) and Lakeview Community Capital, LLC ($10,993).
The lowest rate California FHA lenders (with over 10 loans originated) are
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (4.89%), HOMEAMERICAN MORTGAGE CORPORATION (5.23%), DHI MORTGAGE COMPANY, LTD. (5.31%), PULTE MORTGAGE LLC (5.34%) and INSPIRE HOME LOANS INC. (5.34%).
California FHA Loan Limits
| Metro | County | Year | Single Family Limit | 2 Family Limit | 3 Family Limit | 4 Family Limit |
|---|---|---|---|---|---|---|
| SAN FRANCISCO-OAKLAND-BERKELEY, CA | ALAMEDA | 2022 | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| NON-METRO | ALPINE | 2014 | $463,450 | $593,300 | $717,150 | $891,250 |
| NON-METRO | AMADOR | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| CHICO, CA | BUTTE | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| NON-METRO | CALAVERAS | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| NON-METRO | COLUSA | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| SAN FRANCISCO-OAKLAND-BERKELEY, CA | CONTRA COSTA | 2022 | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| CRESCENT CITY, CA | DEL NORTE | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | EL DORADO | 2022 | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
| FRESNO, CA | FRESNO | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| NON-METRO | GLENN | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| EUREKA-ARCATA, CA | HUMBOLDT | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| EL CENTRO, CA | IMPERIAL | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| NON-METRO | INYO | 2022 | $431,250 | $552,050 | $667,350 | $829,350 |
| BAKERSFIELD, CA | KERN | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| HANFORD-CORCORAN, CA | KINGS | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| CLEARLAKE, CA | LAKE | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| SUSANVILLE, CA | LASSEN | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| LOS ANGELES-LONG BEACH-ANAHEIM, CA | LOS ANGELES | 2022 | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| MADERA, CA | MADERA | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| SAN FRANCISCO-OAKLAND-BERKELEY, CA | MARIN | 2022 | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| NON-METRO | MARIPOSA | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| UKIAH, CA | MENDOCINO | 2022 | $506,000 | $647,750 | $783,000 | $973,100 |
| MERCED, CA | MERCED | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| NON-METRO | MODOC | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| NON-METRO | MONO | 2022 | $563,500 | $721,400 | $872,000 | $1,083,650 |
| SALINAS, CA | MONTEREY | 2022 | $854,450 | $1,093,850 | $1,322,200 | $1,643,200 |
| NAPA, CA | NAPA | 2022 | $897,000 | $1,148,350 | $1,388,050 | $1,725,050 |
| TRUCKEE-GRASS VALLEY, CA | NEVADA | 2022 | $609,500 | $780,250 | $943,150 | $1,172,150 |
| LOS ANGELES-LONG BEACH-ANAHEIM, CA | ORANGE | 2022 | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | PLACER | 2022 | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
| NON-METRO | PLUMAS | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | RIVERSIDE | 2022 | $562,350 | $719,900 | $870,200 | $1,081,450 |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | SACRAMENTO | 2022 | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | SAN BENITO | 2022 | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | SAN BERNARDINO | 2022 | $562,350 | $719,900 | $870,200 | $1,081,450 |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA | SAN DIEGO | 2022 | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 |
| SAN FRANCISCO-OAKLAND-BERKELEY, CA | SAN FRANCISCO | 2022 | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| STOCKTON, CA | SAN JOAQUIN | 2022 | $563,500 | $721,400 | $872,000 | $1,083,650 |
| SAN LUIS OBISPO-PASO ROBLES, CA | SAN LUIS OBISPO | 2022 | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| SAN FRANCISCO-OAKLAND-BERKELEY, CA | SAN MATEO | 2022 | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| SANTA MARIA-SANTA BARBARA, CA | SANTA BARBARA | 2022 | $783,150 | $1,002,600 | $1,211,900 | $1,506,100 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | SANTA CLARA | 2022 | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| SANTA CRUZ-WATSONVILLE, CA | SANTA CRUZ | 2022 | $970,800 | $1,243,050 | $1,502,475 | $1,867,275 |
| REDDING, CA | SHASTA | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| NON-METRO | SIERRA | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| NON-METRO | SISKIYOU | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| VALLEJO, CA | SOLANO | 2022 | $614,100 | $786,150 | $950,300 | $1,181,000 |
| SANTA ROSA-PETALUMA, CA | SONOMA | 2022 | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| MODESTO, CA | STANISLAUS | 2022 | $460,000 | $588,850 | $711,800 | $884,600 |
| YUBA CITY, CA | SUTTER | 2022 | $420,900 | $538,800 | $651,300 | $809,450 |
| RED BLUFF, CA | TEHAMA | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| NON-METRO | TRINITY | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| VISALIA, CA | TULARE | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| SONORA, CA | TUOLUMNE | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | VENTURA | 2022 | $851,000 | $1,089,450 | $1,316,900 | $1,636,550 |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | YOLO | 2022 | $675,050 | $864,200 | $1,044,600 | $1,298,200 |
| YUBA CITY, CA | YUBA | 2022 | $420,900 | $538,800 | $651,300 | $809,450 |
| SAN FRANCISCO-OAKLAND-BERKELEY, CA | ALAMEDA | 2023 | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| NON-METRO | ALPINE | 2023 | $497,950 | $637,450 | $770,550 | $957,600 |
| NON-METRO | AMADOR | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| CHICO, CA | BUTTE | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| NON-METRO | CALAVERAS | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| NON-METRO | COLUSA | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| SAN FRANCISCO-OAKLAND-BERKELEY, CA | CONTRA COSTA | 2023 | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| CRESCENT CITY, CA | DEL NORTE | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | EL DORADO | 2023 | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| FRESNO, CA | FRESNO | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| NON-METRO | GLENN | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| EUREKA-ARCATA, CA | HUMBOLDT | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| EL CENTRO, CA | IMPERIAL | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| NON-METRO | INYO | 2023 | $508,300 | $650,700 | $786,550 | $977,500 |
| BAKERSFIELD, CA | KERN | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| HANFORD-CORCORAN, CA | KINGS | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| CLEARLAKE, CA | LAKE | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| SUSANVILLE, CA | LASSEN | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| LOS ANGELES-LONG BEACH-ANAHEIM, CA | LOS ANGELES | 2023 | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| MADERA, CA | MADERA | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| SAN FRANCISCO-OAKLAND-BERKELEY, CA | MARIN | 2023 | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| NON-METRO | MARIPOSA | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| UKIAH, CA | MENDOCINO | 2023 | $546,250 | $699,300 | $845,300 | $1,050,500 |
| MERCED, CA | MERCED | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| NON-METRO | MODOC | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| NON-METRO | MONO | 2023 | $693,450 | $887,750 | $1,073,100 | $1,333,600 |
| SALINAS, CA | MONTEREY | 2023 | $915,400 | $1,171,900 | $1,416,550 | $1,760,400 |
| NAPA, CA | NAPA | 2023 | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| TRUCKEE-GRASS VALLEY, CA | NEVADA | 2023 | $644,000 | $824,450 | $996,550 | $1,238,500 |
| LOS ANGELES-LONG BEACH-ANAHEIM, CA | ORANGE | 2023 | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | PLACER | 2023 | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| NON-METRO | PLUMAS | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | RIVERSIDE | 2023 | $644,000 | $824,450 | $996,550 | $1,238,500 |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | SACRAMENTO | 2023 | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | SAN BENITO | 2023 | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | SAN BERNARDINO | 2023 | $644,000 | $824,450 | $996,550 | $1,238,500 |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA | SAN DIEGO | 2023 | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| SAN FRANCISCO-OAKLAND-BERKELEY, CA | SAN FRANCISCO | 2023 | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| STOCKTON, CA | SAN JOAQUIN | 2023 | $656,650 | $840,650 | $1,016,150 | $1,262,800 |
| SAN LUIS OBISPO-PASO ROBLES, CA | SAN LUIS OBISPO | 2023 | $911,950 | $1,167,450 | $1,411,200 | $1,753,800 |
| SAN FRANCISCO-OAKLAND-BERKELEY, CA | SAN MATEO | 2023 | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SANTA MARIA-SANTA BARBARA, CA | SANTA BARBARA | 2023 | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | SANTA CLARA | 2023 | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SANTA CRUZ-WATSONVILLE, CA | SANTA CRUZ | 2023 | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| REDDING, CA | SHASTA | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| NON-METRO | SIERRA | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| NON-METRO | SISKIYOU | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| VALLEJO, CA | SOLANO | 2023 | $685,400 | $877,450 | $1,060,600 | $1,318,100 |
| SANTA ROSA-PETALUMA, CA | SONOMA | 2023 | $861,350 | $1,102,700 | $1,332,900 | $1,656,450 |
| MODESTO, CA | STANISLAUS | 2023 | $517,500 | $662,500 | $800,800 | $995,200 |
| YUBA CITY, CA | SUTTER | 2023 | $488,750 | $625,700 | $756,300 | $939,900 |
| RED BLUFF, CA | TEHAMA | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| NON-METRO | TRINITY | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| VISALIA, CA | TULARE | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| SONORA, CA | TUOLUMNE | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | VENTURA | 2023 | $948,750 | $1,214,600 | $1,468,150 | $1,824,550 |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | YOLO | 2023 | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| YUBA CITY, CA | YUBA | 2023 | $488,750 | $625,700 | $756,300 | $939,900 |