FHA Loan Limits in Yolo County, California (2026)
From Yolo County, FHA buyers in Yolo County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the West Coast.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout Yolo County, from Yolo County outward, and sit alongside the limits set for neighboring Los Angeles and San Diego Counties.
What can you buy with FHA in Yolo County?
With Yolo County's median sale price estimated near $762,000 (think Yolo County), the FHA down payment is roughly $18,945. Factoring California property taxes near 0.75%, expect about $3,967 monthly, pointing to income near $154,000 — above California's $91,905 median household income, so budget carefully.
FHA payment scenarios in Yolo County
Here is what an FHA payment looks like at three Yolo County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $549,000 | $19,215 | $4,022 |
| Local median — $541,287 | $18,945 | $3,967 |
| At the FHA limit — $541,287 | $18,945 | $3,967 |
Estimates include FHA MIP plus California property taxes and insurance. Rates move daily near Yolo County too — get notified.
In Yolo County and the surrounding Yolo County market, FHA's appeal is the math: $18,945 down on a $541,287 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Yolo County
Looking at a duplex or fourplex near Yolo County? FHA allows up to $692,997 on two units and $1,041,072 on four in Yolo County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Yolo County for 2026?
- In Yolo County (Yolo County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Yolo County with FHA?
- For a median-priced ($541,287) Yolo County home, plan on income around $154,000 at a 31% housing ratio — about $3,967/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Yolo County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Yolo County-area home. Gift funds are allowed.
- Is Yolo County a high-cost FHA area?
- No — Yolo County uses the $541,287 national floor for one unit.