FHA Loans in California | Fast Close Mortgage

FHA Loans in California — 2026 Limits & How to Apply

Looking for FHA Loans in California? Fast Close Mortgage is a California-licensed mortgage lender offering fha loans with closing timelines as fast as 7 days. Whether you’re in Los Angeles, Sacramento, or anywhere else in California, our team can help you get approved quickly and close on a competitive fha loans rate. High-cost county limits reach $1,209,750 in LA/Orange/SF Bay Area — many CA buyers qualify at higher loan amounts. CA condo approval process is well-established; FHA-approved condo projects are common in major metros.

2026 FHA Loans Loan Limits in California

The 2026 FHA loan limit in California is $524,225 for most counties and up to $1,209,750 in higher-cost areas. Counties at the high-cost limit include Los Angeles, Orange, San Francisco, Alameda, Contra Costa, Marin, San Mateo, Santa Clara, Ventura. The FHA loan limit applies to single-family homes; multi-family limits scale up (2-unit $671,008, 3-unit $812,549, 4-unit $1,006,512 for California).

These limits matter because they determine the maximum mortgage you can finance through the FHA program. In California where the average home price is approximately $850,000, FHA financing covers a meaningful share of the market. California buyers using FHA financing can qualify for properties well above the state median home price in high-cost counties.

What credit score do you need for FHA Loans in California?

The minimum credit score for FHA Loans in California is 580 for 3.5% down. Borrowers with credit scores below 580 (down to 500) can still qualify with 10% down. Most California lenders prefer 580+ for the best pricing.

For California buyers with credit scores in the 580-619 range, FHA and VA loans are often the best options. California buyers with credit scores of 740+ get the best conventional loan pricing. We work with lenders who specialize in non-prime credit profiles and can often find competitive options for California buyers across the credit spectrum.

How fast can I close FHA Loans in California?

Fast Close Mortgage closes most California FHA loans in 7 to 14 days from a clean approved application. California FHA closings can take up to 21 days if there are appraisal delays or county-specific requirements. We work with appraisers familiar with California-specific valuation requirements and can often expedite the appraisal process.

Why choose Fast Close Mortgage for FHA Loans in California?

Fast Close Mortgage is a California-licensed mortgage lender offering FHA Loans with closing timelines as fast as 7 days. Here’s why California buyers choose us:

Licensed in all 50 states. We serve California buyers plus 49 other states with consistent service and pricing.
Dedicated California loan officer. Each California borrower is assigned a local loan officer who understands California-specific market conditions, county loan limits, and closing timelines.
Fast closing. Most California FHA Loans close in 7 to 21 days, depending on the loan type.

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California FHA Loans FAQ

The 2026 FHA loan limit in California ranges from $524,225 in most counties to $1,209,750 in high-cost counties including Los Angeles, Orange, San Francisco, San Mateo, Santa Clara, Alameda, Contra Costa, Marin, and Ventura. Whether you qualify at the high-cost ceiling depends on the county where the property is located.

Yes — FHA-approved condo projects are common in major California metros including Los Angeles, San Francisco, San Diego, and Sacramento. The condo project must be on the FHA-approved condominium list, and most established condo projects in CA cities have already been approved.

Fast Close Mortgage closes most FHA loans in California in 7 to 14 days from a clean approved application. In fire-affected or high-appraisal-volume counties, appraisal turnaround can add 3 to 7 days. Our team works with appraisers familiar with California-specific valuation requirements.

Yes — FHA loans are available throughout the Bay Area. San Francisco, San Mateo, Alameda, Contra Costa, and Santa Clara counties have the high-cost FHA loan limit of $1,209,750 for 2026, which means FHA buyers can compete for homes in the $1M to $1.5M range with 3.5% down.

The 2026 FHA loan limit in Los Angeles County is $1,209,750 for a single-family home. This high-cost ceiling lets CA buyers use FHA financing for properties up to roughly $1.4M with 3.5% down, which is a major buying-power advantage in the LA market.

2026 FHA Loans limits in California

$2,000,000 statewide (2026 VA loan limit). Higher in select counties.

What credit score do you need for FHA Loans in California?

620 minimum for VA loan. Most CA lenders prefer 660+ for best pricing.

How fast can I close FHA Loans in California?

15–25 days for CA VA loans. CA appraisal process can be slower.

Why choose Fast Close Mortgage for FHA Loans in California?

Fast Close Mortgage is CA-licensed; team handles VA-specific docs.

FHA Loans FAQ

What is the minimum credit score for FHA loans?

580 for 3.5% down; 500–579 with 10% down. Most lenders prefer 620+.

How long does it take to close an FHA loan?

14–30 days typically. FHA appraisal can add 5–7 days.

What is the FHA mortgage insurance premium (MIP)?

MIP is required on all FHA loans. It is 1.75% upfront plus 0.55% annual for most loans with LTV > 90%.

Can I use gift funds for the down payment on an FHA loan?

Yes. FHA allows the entire 3.5% down payment to come from an approved gift donor (relative, employer, or approved nonprofit).

Other states

Fast Close Mortgage is licensed in California and all other 49 states. NMLS ID available on request. Equal Housing Opportunity.