Santa Barbara County FHA Loan Limits 2025

The high-balance FHA loan limit for 2025 in Santa Barbara County is $913,100.

The “low-balance” FHA loan limit for 2025 in Santa Barbara County is $806,500.

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

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FHA loans between $806,500 and $913,100 in Santa Barbara County are considered high-balance FHA loans.  FHA high-balance loans tend to have slightly higher interest rates than FHA loans under $806,500 (“low-balance”).

It’s worth asking your mortgage loan officer if you can secure a better rate by keeping your loan balance under $$806,500 in Santa Barbara County, California.

Loans above $805,000 in Santa Barbara 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 Santa Barbara County…

• 2-unit property – $1,168,950
• 3-unit property – $1,413,000
• 4-unit property – $1,756,000

Click Here for Conforming Loan Limits for Santa Barbara County 2025

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 Santa Barbara 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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(Rates subject to change without notice)

Loan Assumptions