Sacramento County, CA FHA Loan Limit — 2025
2025 FHA loan limits for Sacramento County. Verify eligibility and estimate FHA MIP costs.
| Units | FHA Limit | Conforming |
|---|---|---|
| 1 Unit | $633,950 | $806,500 |
| 2 Unit | $811,350 | $1,032,650 |
| 3 Unit | $980,700 | $1,248,150 |
| 4 Unit | $1,219,050 | $1,551,250 |
Source: HUD. Data as of 2025-01-15.
2025 Loan Limits — Sacramento County, CA
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $633,950 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Sacramento County FHA Limits
What is the 2025 FHA loan limit in Sacramento County?
The 2025 FHA loan limit for a single-family (1-unit) home in Sacramento County, CA is $633,950.
What is FHA Mortgage Insurance Premium (MIP)?
All FHA loans require upfront MIP of 1.75% of the loan amount, plus annual MIP ranging from 0.50% to 0.75% depending on loan amount and term. Annual MIP is divided by 12 and added to each monthly payment.
Can FHA limits change each year?
Yes — HUD adjusts FHA loan limits annually based on median home prices. Limits shown reflect 2025 HUD guidance and are subject to change.