2026 FHA loan limits for Southern California counties.
The maximum FHA-insured loan amount depends on the property’s county and unit count — here’s what applies across Los Angeles, Orange, Riverside, and San Bernardino Counties for 2026.
Equal Housing Opportunity
How FHA loan limits work.
The Federal Housing Administration sets a maximum insurable loan amount for each U.S. county every year, based on local median home prices. Counties with higher home values carry higher limits, up to a nationwide ceiling; counties with lower home values use the FHA floor. Limits also increase with the number of units on the property (1–4 units).
This program is available for properties located in California only.
2026 FHA loan limits by county.
Los Angeles and Orange Counties sit at the FHA ceiling — the maximum limit available anywhere in the continental United States, and the same figure as the 2026 conforming ceiling. Riverside and San Bernardino Counties fall into an intermediate FHA tier, above the national floor but below the ceiling.
| County | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| Los Angeles | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Orange | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Riverside | $690,000 | $883,300 | $1,067,750 | $1,326,950 |
| San Bernardino | $690,000 | $883,300 | $1,067,750 | $1,326,950 |
FHA loan limits are set annually by HUD/FHA and can change. Figures shown are for 2026 — confirm current limits for your specific property at the time of application. Equal Housing Opportunity Lender.
FHA vs. conforming loan limits — why they differ.
FHA limits and conforming (conventional) limits are set by different agencies and can differ by county. In Los Angeles and Orange Counties, the two happen to align at the same ceiling figure for 2026. In Riverside and San Bernardino Counties, the FHA limit ($690,000 for a single-family home) is lower than the conforming limit ($832,750) — so a loan amount between those two figures would need to go conventional rather than FHA. We’ll help you confirm which program actually fits your loan amount and property.
Have questions about FHA financing? Visit our FAQ → or see our FHA loan program page →.
Get pre-qualified for an FHA loan.
Rates, programs, and terms are not guaranteed and are subject to borrower qualification and final lender approval. This is not a commitment to lend.
This program is available for properties located in California only.
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