The high-balance FHA loan limit for 2024 in San Francisco County is $1,149,825.

The “low-balance” FHA loan limit for 2024 in San Francisco County is $766,550.

  • Both loan limits above are based on a 1-unit property.

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FHA loans between $766,550 and $1,149,825 in San Francisco County are considered high-balance FHA loans.  FHA high-balance loans tend to have slightly higher interest rates than FHA loans under $766,550 (“low-balance”).

It’s worth asking your mortgage loan officer if you can secure a better rate by keeping your loan balance under $766,550 in San Francisco County, California.

Loans above $1,149,825 in San Francisco County are considered jumbo loans and would not qualify for FHA financing.

FHA financing is possible on 2-4 unit properties as well.  Here are the FHA loan limits for multi-unit properties in San Francisco County…

  • 2-unit property – $1,472,250
  • 3-unit property – $1,779,525
  • 4-unit property – $2,211,600

Click Here for Conforming Loan Limits for San Francisco County 2024

If you are looking to purchase a home or refinance an existing home, we would love to work with you!  We are EXTREMELY competitive on FHA loans.

Most lenders earn 2-3 points (2-3% of your loan amount) or more on FHA loans.  We earn 1% of your loan amount (paid by the lender), and we do not charge any loan processing fees.  This is substantially less than 99% of the lenders out there, and any lender who can beat us on rate will lack the service we provide.

Along with offering lower FHA rates than competing lenders, we also offer rates with lender credits to apply toward closing costs.  Not all lenders offer rates that come with lender credits.

If you are looking for a purchase loan or a refinance in San Francisco County, we would love to work with you!  We can close a purchase loan in as little as 10 days and refinances in 15 days.  You won’t find a lower rate and better service than Community First Mortgage.

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Date UpdatedTime
May 24, 20249:21 AM
(Rates subject to change without notice)
Loan TypeLoan PurposeLoan TermInterest RateAPRPoints
ConformingPurchase30 year fixed6.500%6.620%0.960
ConformingPurchase30 year fixed6.875%6.915%0.126
ConformingPurchase20 year fixed6.375%6.494%0.663
ConformingPurchase15 year fixed5.500%5.758%1.380
FHAPurchase30 year fixed6.125%6.868%0.000
VAPurchase30 year fixed6.125%6.357%0.000

Conforming

30 Year Fixed

InterestAPRPoints
6.500%6.620%0.960
6.875%6.915%0.126

20 Year Fixed

InterestAPRPoints
6.375%6.494%0.663

15 Year Fixed

InterestAPRPoints
5.500%5.758%1.380

FHA

30 Year Fixed

InterestAPRPoints
6.125%6.357%0.000

VA

30 Year Fixed

InterestAPRPoints
6.125%6.868%0.000

Loan Assumptions