FHA Loan Limits and USDA Eligibility in Los Angeles County, California

2026 FHA one-unit limit in Los Angeles County is $1,249,125. Two-unit is $1,599,375, three-unit is $1,933,200, and four-unit is $2,402,625. USDA 502 Guaranteed 1–4 person moderate income is $193,500. ZIP centers in the table below are marked likely eligible or likely not eligible for USDA. Official eligibility is still the property address.

2026 FHA Loan Limits Map for California

California one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+

FHA Eligibility Requirements

You need to meet all six. Loan limits in Los Angeles County are set by county. DTI is a lender call. An FHA lender confirms the official answer.

3.5% down payment

Minimum is 3.5% (580+ score) or 10% (500–579). FHA allows the full amount to come from a gift: family, employer, labor union, or an approved program. A signed gift letter is required.

Credit score 580+ for 3.5% down

580+ qualifies for 3.5% down. 500–579 generally requires 10% down. Lenders often set their own floor above the FHA minimum.

Debt-to-income within FHA guidelines

Guidelines target a housing ratio around 31% and total DTI around 43%. Automated underwriting can approve stronger files above those thresholds. Manual underwriting uses tighter caps.

Check DTI on the affordability calculator

Primary residence only

The home must be your main residence, not a second home or investment property. You must move in within the timeline FHA and your contract require.

1–4 unit home that meets FHA standards

One-to-four unit homes, FHA approved condos, and some manufactured homes that meet FHA rules. For 2–4 units you must live in one unit. The home must pass an FHA appraisal.

Loan amount at or below the county limit

2026 one-unit limits start at $541,287 in most counties and go up to $1,249,125 in high-cost areas. 2–4 unit limits are higher. Enter a ZIP to see every FHA county on that ZIP.

See 2026 FHA loan limits

USDA Property Eligibility and Income Limits Map for California

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EligibleIneligibleUSDA ineligible boundary

USDA Eligibility Requirements

You need to meet all six. Property location and income in Los Angeles County vary by area. A USDA approved lender confirms the official answer.

Property in a USDA eligible area

The home must be in a USDA designated rural or suburban area. Over 97% of U.S. land qualifies, including many suburbs near major cities. Use the eligibility map to check any address.

Check your area on the map

Household income at or below the area limit

USDA caps household income at 115% of the area median, with a national floor of $122,800 for 1–4 person households. Every adult in the home counts, not just borrowers. Deductions for dependents and childcare can help.

Check income limits for your ZIP

Primary residence only

The home must be your full-time primary residence. Investment properties and second homes are not eligible. You must intend to occupy the home within 60 days of closing.

Single-family property (1 unit)

USDA Guaranteed loans cover single-unit homes only. Duplexes and multi-unit properties do not qualify, even with owner occupancy. Condos and manufactured homes are eligible under specific conditions. For house-hacking a 2–4 unit property, FHA and VA are the right tools. USDA is not.

U.S. citizenship or qualified alien status

You must be a U.S. citizen, U.S. non-citizen national, or qualified alien. Permanent residents with a green card generally qualify. Your lender will verify documentation.

Credit score 640+ typical

USDA does not set a hard credit floor, but most lenders require 640+ for streamlined approval. Some lenders go lower with compensating factors. Your full credit profile (payment history, DTI, reserves) matters as much as the score.

Los Angeles County FHA Limits, USDA Income, and ZIP Eligibility

FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. USDA property is a first look from each ZIP’s geographic center versus USDA ineligible-area boundaries — the official test is the address. City is the USPS primary city for that ZIP; a city is not USDA eligible or ineligible as a whole.

Cities in Los Angeles County: Acton, Agoura Hills, Alhambra, Altadena, Arcadia, Artesia, Avalon, Azusa, Baldwin Park, Bell Gardens, Bellflower, Beverly Hills, Burbank, Calabasas, Canoga Park, Canyon Country, Carson, Castaic, Cerritos, Chatsworth, Chino Hills, Claremont, Compton, Covina, Culver City, Cypress, Diamond Bar, Downey, Duarte, El Monte, El Segundo, Encino, Gardena, Glendale, Glendora, Granada Hills, Hacienda Heights, Harbor City, Hawaiian Gardens, Hawthorne, Hermosa Beach, Huntington Park, Inglewood, La Canada Flintridge, La Crescenta, La Habra, La Mirada, La Puente, La Verne, Lake Hughes, Lakewood, Lancaster, Lawndale, Lebec, Littlerock, Llano, Lomita, Long Beach, Los Angeles, Lynwood, Malibu, Manhattan Beach, Marina Del Rey, Maywood, Mission Hills, Monrovia, Montebello, Monterey Park, Montrose, Newhall, North Hills, North Hollywood, Northridge, Norwalk, Orange, Pacific Palisades, Pacoima, Palmdale, Palos Verdes Peninsula, Panorama City, Paramount, Pasadena, Pearblossom, Pico Rivera, Playa Del Rey, Playa Vista, Pomona, Porter Ranch, Rancho Palos Verdes, Redondo Beach, Reseda, Rosemead, Rowland Heights, San Dimas, San Fernando, San Gabriel, San Marino, San Pedro, Santa Clarita, Santa Fe Springs, Santa Monica, Sherman Oaks, Sierra Madre, Signal Hill, South El Monte, South Gate, South Pasadena, Stevenson Ranch, Studio City, Sun Valley, Sunland, Sylmar, Tarzana, Temple City, Thousand Oaks, Topanga, Torrance, Tujunga, Valencia, Valley Village, Valyermo, Van Nuys, Venice, Verdugo City, Walnut, West Covina, West Hills, West Hollywood, Westlake Village, Whittier, Wilmington, Winnetka, Woodland Hills, Wrightwood

ZIPCityUSDA propertyFHA one-unit loan limitUSDA 1–4 person moderate income
90001Los AngelesLikely not eligible$1,249,125$193,500
90002Los AngelesLikely not eligible$1,249,125$193,500
90003Los AngelesLikely not eligible$1,249,125$193,500
90004Los AngelesLikely not eligible$1,249,125$193,500
90005Los AngelesLikely not eligible$1,249,125$193,500
90006Los AngelesLikely not eligible$1,249,125$193,500
90007Los AngelesLikely not eligible$1,249,125$193,500
90008Los AngelesLikely not eligible$1,249,125$193,500
90010Los AngelesLikely not eligible$1,249,125$193,500
90011Los AngelesLikely not eligible$1,249,125$193,500
90012Los AngelesLikely not eligible$1,249,125$193,500
90013Los AngelesLikely not eligible$1,249,125$193,500
90014Los AngelesLikely not eligible$1,249,125$193,500
90015Los AngelesLikely not eligible$1,249,125$193,500
90016Los AngelesLikely not eligible$1,249,125$193,500
90017Los AngelesLikely not eligible$1,249,125$193,500
90018Los AngelesLikely not eligible$1,249,125$193,500
90019Los AngelesLikely not eligible$1,249,125$193,500
90020Los AngelesLikely not eligible$1,249,125$193,500
90021Los AngelesLikely not eligible$1,249,125$193,500
90022Los AngelesLikely not eligible$1,249,125$193,500
90023Los AngelesLikely not eligible$1,249,125$193,500
90024Los AngelesLikely not eligible$1,249,125$193,500
90025Los AngelesLikely not eligible$1,249,125$193,500
90026Los AngelesLikely not eligible$1,249,125$193,500
90027Los AngelesLikely not eligible$1,249,125$193,500
90028Los AngelesLikely not eligible$1,249,125$193,500
90029Los AngelesLikely not eligible$1,249,125$193,500
90031Los AngelesLikely not eligible$1,249,125$193,500
90032Los AngelesLikely not eligible$1,249,125$193,500
90033Los AngelesLikely not eligible$1,249,125$193,500
90034Los AngelesLikely not eligible$1,249,125$193,500
90035Los AngelesLikely not eligible$1,249,125$193,500
90036Los AngelesLikely not eligible$1,249,125$193,500
90037Los AngelesLikely not eligible$1,249,125$193,500
90038Los AngelesLikely not eligible$1,249,125$193,500
90039Los AngelesLikely not eligible$1,249,125$193,500
90040Los AngelesLikely not eligible$1,249,125$193,500
90041Los AngelesLikely not eligible$1,249,125$193,500
90042Los AngelesLikely not eligible$1,249,125$193,500
90043Los AngelesLikely not eligible$1,249,125$193,500
90044Los AngelesLikely not eligible$1,249,125$193,500
90045Los AngelesLikely not eligible$1,249,125$193,500
90046Los AngelesLikely not eligible$1,249,125$193,500
90047Los AngelesLikely not eligible$1,249,125$193,500
90048Los AngelesLikely not eligible$1,249,125$193,500
90049Los AngelesLikely not eligible$1,249,125$193,500
90056Los AngelesLikely not eligible$1,249,125$193,500
90057Los AngelesLikely not eligible$1,249,125$193,500
90058Los AngelesLikely not eligible$1,249,125$193,500
90059Los AngelesLikely not eligible$1,249,125$193,500
90061Los AngelesLikely not eligible$1,249,125$193,500
90062Los AngelesLikely not eligible$1,249,125$193,500
90063Los AngelesLikely not eligible$1,249,125$193,500
90064Los AngelesLikely not eligible$1,249,125$193,500
90065Los AngelesLikely not eligible$1,249,125$193,500
90066Los AngelesLikely not eligible$1,249,125$193,500
90067Los AngelesLikely not eligible$1,249,125$193,500
90068Los AngelesLikely not eligible$1,249,125$193,500
90069West HollywoodLikely not eligible$1,249,125$193,500
90071Los AngelesLikely not eligible$1,249,125$193,500
90073Los AngelesLikely not eligible$1,249,125$193,500
90077Los AngelesLikely not eligible$1,249,125$193,500
90094Playa VistaLikely not eligible$1,249,125$193,500
90201Bell GardensLikely not eligible$1,249,125$193,500
90210Beverly HillsLikely not eligible$1,249,125$193,500
90211Beverly HillsLikely not eligible$1,249,125$193,500
90212Beverly HillsLikely not eligible$1,249,125$193,500
90220ComptonLikely not eligible$1,249,125$193,500
90221ComptonLikely not eligible$1,249,125$193,500
90222ComptonLikely not eligible$1,249,125$193,500
90230Culver CityLikely not eligible$1,249,125$193,500
90232Culver CityLikely not eligible$1,249,125$193,500
90240DowneyLikely not eligible$1,249,125$193,500
90241DowneyLikely not eligible$1,249,125$193,500
90242DowneyLikely not eligible$1,249,125$193,500
90245El SegundoLikely not eligible$1,249,125$193,500
90247GardenaLikely not eligible$1,249,125$193,500
90248GardenaLikely not eligible$1,249,125$193,500
90249GardenaLikely not eligible$1,249,125$193,500
90250HawthorneLikely not eligible$1,249,125$193,500
90254Hermosa BeachLikely not eligible$1,249,125$193,500
90255Huntington ParkLikely not eligible$1,249,125$193,500
90260LawndaleLikely not eligible$1,249,125$193,500
90262LynwoodLikely not eligible$1,249,125$193,500
90265MalibuLikely not eligible$1,249,125$180,550 to $193,500
90266Manhattan BeachLikely not eligible$1,249,125$193,500
90270MaywoodLikely not eligible$1,249,125$193,500
90272Pacific PalisadesLikely not eligible$1,249,125$193,500
90274Palos Verdes PeninsulaLikely not eligible$1,249,125$193,500
90275Rancho Palos VerdesLikely not eligible$1,249,125$193,500
90277Redondo BeachLikely not eligible$1,249,125$193,500
90278Redondo BeachLikely not eligible$1,249,125$193,500
90280South GateLikely not eligible$1,249,125$193,500
90290TopangaLikely not eligible$1,249,125$193,500
90291VeniceLikely not eligible$1,249,125$193,500
90292Marina Del ReyLikely eligible$1,249,125$193,500
90293Playa Del ReyLikely not eligible$1,249,125$193,500
90301InglewoodLikely not eligible$1,249,125$193,500
90302InglewoodLikely not eligible$1,249,125$193,500
90303InglewoodLikely not eligible$1,249,125$193,500
90304InglewoodLikely not eligible$1,249,125$193,500
90305InglewoodLikely not eligible$1,249,125$193,500
90401Santa MonicaLikely not eligible$1,249,125$193,500
90402Santa MonicaLikely not eligible$1,249,125$193,500
90403Santa MonicaLikely not eligible$1,249,125$193,500
90404Santa MonicaLikely not eligible$1,249,125$193,500
90405Santa MonicaLikely not eligible$1,249,125$193,500
90501TorranceLikely not eligible$1,249,125$193,500
90502TorranceLikely not eligible$1,249,125$193,500
90503TorranceLikely not eligible$1,249,125$193,500
90504TorranceLikely not eligible$1,249,125$193,500
90505TorranceLikely not eligible$1,249,125$193,500
90601WhittierLikely not eligible$1,249,125$193,500
90602WhittierLikely not eligible$1,249,125$193,500
90603WhittierLikely not eligible$1,249,125$193,500
90604WhittierLikely not eligible$1,249,125$193,500
90605WhittierLikely not eligible$1,249,125$193,500
90606WhittierLikely not eligible$1,249,125$193,500
90630CypressLikely not eligible$1,249,125$193,500 to $213,950
90631La HabraLikely not eligible$1,249,125$193,500 to $213,950
90638La MiradaLikely not eligible$1,249,125$193,500 to $213,950
90640MontebelloLikely not eligible$1,249,125$193,500
90650NorwalkLikely not eligible$1,249,125$193,500
90660Pico RiveraLikely not eligible$1,249,125$193,500
90670Santa Fe SpringsLikely not eligible$1,249,125$193,500
90701ArtesiaLikely not eligible$1,249,125$193,500
90703CerritosLikely not eligible$1,249,125$193,500
90704AvalonLikely eligible$1,249,125$193,500
90706BellflowerLikely not eligible$1,249,125$193,500
90710Harbor CityLikely not eligible$1,249,125$193,500
90712LakewoodLikely not eligible$1,249,125$193,500
90713LakewoodLikely not eligible$1,249,125$193,500
90715LakewoodLikely not eligible$1,249,125$193,500
90716Hawaiian GardensLikely not eligible$1,249,125$193,500 to $213,950
90717LomitaLikely not eligible$1,249,125$193,500
90723ParamountLikely not eligible$1,249,125$193,500
90731San PedroLikely not eligible$1,249,125$193,500
90732San PedroLikely not eligible$1,249,125$193,500
90744WilmingtonLikely not eligible$1,249,125$193,500
90745CarsonLikely not eligible$1,249,125$193,500
90746CarsonLikely not eligible$1,249,125$193,500
90755Signal HillLikely not eligible$1,249,125$193,500
90802Long BeachLikely not eligible$1,249,125$193,500
90803Long BeachLikely not eligible$1,249,125$193,500
90804Long BeachLikely not eligible$1,249,125$193,500
90805Long BeachLikely not eligible$1,249,125$193,500
90806Long BeachLikely not eligible$1,249,125$193,500
90807Long BeachLikely not eligible$1,249,125$193,500
90808Long BeachLikely not eligible$1,249,125$193,500
90810Long BeachLikely not eligible$1,249,125$193,500
90813Long BeachLikely not eligible$1,249,125$193,500
90814Long BeachLikely not eligible$1,249,125$193,500
90815Long BeachLikely not eligible$1,249,125$193,500
90822Long BeachLikely not eligible$1,249,125$193,500
90840Long BeachLikely not eligible$1,249,125$193,500
91001AltadenaLikely not eligible$1,249,125$193,500
91006ArcadiaLikely not eligible$1,249,125$193,500
91007ArcadiaLikely not eligible$1,249,125$193,500
91008DuarteLikely not eligible$1,249,125$193,500
91010DuarteLikely not eligible$1,249,125$193,500
91011La Canada FlintridgeLikely not eligible$1,249,125$193,500
91016MonroviaLikely not eligible$1,249,125$193,500
91020MontroseLikely not eligible$1,249,125$193,500
91024Sierra MadreLikely not eligible$1,249,125$193,500
91030South PasadenaLikely not eligible$1,249,125$193,500
91040SunlandLikely not eligible$1,249,125$193,500
91042TujungaLikely eligible$1,249,125$193,500
91046Verdugo CityLikely not eligible$1,249,125$193,500
91101PasadenaLikely not eligible$1,249,125$193,500
91103PasadenaLikely not eligible$1,249,125$193,500
91104PasadenaLikely not eligible$1,249,125$193,500
91105PasadenaLikely not eligible$1,249,125$193,500
91106PasadenaLikely not eligible$1,249,125$193,500
91107PasadenaLikely not eligible$1,249,125$193,500
91108San MarinoLikely not eligible$1,249,125$193,500
91201GlendaleLikely not eligible$1,249,125$193,500
91202GlendaleLikely not eligible$1,249,125$193,500
91203GlendaleLikely not eligible$1,249,125$193,500
91204GlendaleLikely not eligible$1,249,125$193,500
91205GlendaleLikely not eligible$1,249,125$193,500
91206GlendaleLikely not eligible$1,249,125$193,500
91207GlendaleLikely not eligible$1,249,125$193,500
91208GlendaleLikely not eligible$1,249,125$193,500
91210GlendaleLikely not eligible$1,249,125$193,500
91214La CrescentaLikely not eligible$1,249,125$193,500
91301Agoura HillsLikely not eligible$1,249,125$193,500
91302CalabasasLikely not eligible$1,249,125$193,500
91303Canoga ParkLikely not eligible$1,249,125$193,500
91304Canoga ParkLikely not eligible$1,249,125$180,550 to $193,500
91306WinnetkaLikely not eligible$1,249,125$193,500
91307West HillsLikely not eligible$1,249,125$180,550 to $193,500
91311ChatsworthLikely eligible$1,249,125$180,550 to $193,500
91316EncinoLikely not eligible$1,249,125$193,500
91321NewhallLikely not eligible$1,249,125$193,500
91324NorthridgeLikely not eligible$1,249,125$193,500
91325NorthridgeLikely not eligible$1,249,125$193,500
91326Porter RanchLikely not eligible$1,249,125$193,500
91331PacoimaLikely not eligible$1,249,125$193,500
91335ResedaLikely not eligible$1,249,125$193,500
91340San FernandoLikely not eligible$1,249,125$193,500
91342SylmarLikely eligible$1,249,125$193,500
91343North HillsLikely not eligible$1,249,125$193,500
91344Granada HillsLikely not eligible$1,249,125$193,500
91345Mission HillsLikely not eligible$1,249,125$193,500
91350Santa ClaritaLikely not eligible$1,249,125$193,500
91351Canyon CountryLikely not eligible$1,249,125$193,500
91352Sun ValleyLikely not eligible$1,249,125$193,500
91354ValenciaLikely not eligible$1,249,125$193,500
91355ValenciaLikely eligible$1,249,125$193,500
91356TarzanaLikely not eligible$1,249,125$193,500
91361Westlake VillageLikely not eligible$1,249,125$180,550 to $193,500
91362Thousand OaksLikely not eligible$1,249,125$180,550 to $193,500
91364Woodland HillsLikely not eligible$1,249,125$193,500
91367Woodland HillsLikely not eligible$1,249,125$193,500
91381Stevenson RanchLikely eligible$1,249,125$193,500
91384CastaicLikely eligible$1,249,125$193,500
91387Canyon CountryLikely eligible$1,249,125$193,500
91390Santa ClaritaLikely eligible$1,249,125$193,500
91401Van NuysLikely not eligible$1,249,125$193,500
91402Panorama CityLikely not eligible$1,249,125$193,500
91403Sherman OaksLikely not eligible$1,249,125$193,500
91405Van NuysLikely not eligible$1,249,125$193,500
91406Van NuysLikely not eligible$1,249,125$193,500
91411Van NuysLikely not eligible$1,249,125$193,500
91423Sherman OaksLikely not eligible$1,249,125$193,500
91436EncinoLikely not eligible$1,249,125$193,500
91501BurbankLikely not eligible$1,249,125$193,500
91502BurbankLikely not eligible$1,249,125$193,500
91504BurbankLikely not eligible$1,249,125$193,500
91505BurbankLikely not eligible$1,249,125$193,500
91506BurbankLikely not eligible$1,249,125$193,500
91601North HollywoodLikely not eligible$1,249,125$193,500
91602North HollywoodLikely not eligible$1,249,125$193,500
91604Studio CityLikely not eligible$1,249,125$193,500
91605North HollywoodLikely not eligible$1,249,125$193,500
91606North HollywoodLikely not eligible$1,249,125$193,500
91607Valley VillageLikely not eligible$1,249,125$193,500
91702AzusaLikely eligible$1,249,125$193,500
91706Baldwin ParkLikely not eligible$1,249,125$193,500
91709Chino HillsLikely not eligible$1,249,125$141,450 to $193,500
91711ClaremontLikely not eligible$1,249,125$193,500
91722CovinaLikely not eligible$1,249,125$193,500
91723CovinaLikely not eligible$1,249,125$193,500
91724CovinaLikely not eligible$1,249,125$193,500
91731El MonteLikely not eligible$1,249,125$193,500
91732El MonteLikely not eligible$1,249,125$193,500
91733South El MonteLikely not eligible$1,249,125$193,500
91740GlendoraLikely not eligible$1,249,125$193,500
91741GlendoraLikely not eligible$1,249,125$193,500
91744La PuenteLikely not eligible$1,249,125$193,500
91745Hacienda HeightsLikely not eligible$1,249,125$193,500
91746La PuenteLikely not eligible$1,249,125$193,500
91748Rowland HeightsLikely not eligible$1,249,125$193,500
91750La VerneLikely not eligible$1,249,125$193,500
91754Monterey ParkLikely not eligible$1,249,125$193,500
91755Monterey ParkLikely not eligible$1,249,125$193,500
91765Diamond BarLikely not eligible$1,249,125$193,500
91766PomonaLikely not eligible$1,249,125$141,450 to $193,500
91767PomonaLikely not eligible$1,249,125$193,500
91768PomonaLikely not eligible$1,249,125$193,500
91770RosemeadLikely not eligible$1,249,125$193,500
91773San DimasLikely not eligible$1,249,125$193,500
91775San GabrielLikely not eligible$1,249,125$193,500
91776San GabrielLikely not eligible$1,249,125$193,500
91780Temple CityLikely not eligible$1,249,125$193,500
91789WalnutLikely not eligible$1,249,125$193,500
91790West CovinaLikely not eligible$1,249,125$193,500
91791West CovinaLikely not eligible$1,249,125$193,500
91792West CovinaLikely not eligible$1,249,125$193,500
91801AlhambraLikely not eligible$1,249,125$193,500
91803AlhambraLikely not eligible$1,249,125$193,500
92397WrightwoodLikely eligible$1,249,125$141,450 to $193,500
92867OrangeLikely not eligible$1,249,125$213,950
93243LebecLikely eligible$1,249,125$124,900 to $193,500
93510ActonLikely eligible$1,249,125$193,500
93532Lake HughesLikely eligible$1,249,125$193,500
93534LancasterLikely not eligible$1,249,125$193,500
93535LancasterLikely eligible$1,249,125$193,500
93536LancasterLikely eligible$1,249,125$124,900 to $193,500
93543LittlerockLikely eligible$1,249,125$193,500
93544LlanoLikely eligible$1,249,125$193,500
93550PalmdaleLikely eligible$1,249,125$193,500
93551PalmdaleLikely not eligible$1,249,125$193,500
93552PalmdaleLikely not eligible$1,249,125$193,500
93553PearblossomLikely eligible$1,249,125$193,500
93563ValyermoLikely eligible$1,249,125$193,500
93591PalmdaleLikely eligible$1,249,125$193,500

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A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific Los Angeles County address. Then they can match you if you qualify.

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