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Revised 12/30/2008

MSA Name	Division	State	One-Family	Two-Family	Three-Family	Four-Family	Last Revised	Limit Year
OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION	36084	CA	$625,500	$800,775	$967,950	$1,202,925	01/01/2009	CY2009
NON-METRO		CA	$463,450	$593,300	$717,150	$891,250	01/01/2009	CY2009
NON-METRO		CA	$332,350	$425,450	$514,300	$639,150	01/01/2009	CY2009
CHICO, CA (MSA)		CA	$293,250	$375,400	$453,750	$563,950	01/01/2009	CY2009
NON-METRO		CA	$373,750	$478,450	$578,350	$718,750	01/01/2009	CY2009
NON-METRO		CA	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION	36084	CA	$625,500	$800,775	$967,950	$1,202,925	01/01/2009	CY2009
CRESCENT CITY, CA (MICRO)		CA	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)		CA	$474,950	$608,000	$734,950	$913,350	01/01/2009	CY2009
FRESNO, CA (MSA)		CA	$281,750	$360,700	$436,000	$541,800	01/01/2009	CY2009
NON-METRO		CA	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
EUREKA-ARCATA-FORTUNA, CA (MICRO)		CA	$327,750	$419,550	$507,150	$630,300	01/01/2009	CY2009
EL CENTRO, CA (MSA)		CA	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
BISHOP, CA (MICRO)		CA	$369,150	$472,550	$571,250	$709,900	01/01/2009	CY2009
BAKERSFIELD, CA (MSA)		CA	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
HANFORD-CORCORAN, CA (MSA)		CA	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
CLEARLAKE, CA (MICRO)		CA	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
SUSANVILLE, CA (MICRO)		CA	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
LOS ANGELES-LONG BEACH-GLENDALE, CA METROPOLITAN D	31084	CA	$625,500	$800,775	$967,950	$1,202,925	01/01/2009	CY2009
MADERA, CA (MSA)		CA	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI	41884	CA	$625,500	$800,775	$967,950	$1,202,925	01/01/2009	CY2009
NON-METRO		CA	$322,000	$412,200	$498,250	$619,250	01/01/2009	CY2009
UKIAH, CA (MICRO)		CA	$373,750	$478,450	$578,350	$718,750	01/01/2009	CY2009
MERCED, CA (MSA)		CA	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO		CA	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO		CA	$529,000	$677,200	$818,600	$1,017,300	01/01/2009	CY2009
SALINAS, CA (MSA)		CA	$483,000	$618,300	$747,400	$928,850	01/01/2009	CY2009
NAPA, CA (MSA)		CA	$592,250	$758,200	$916,450	$1,138,950	01/01/2009	CY2009
TRUCKEE-GRASS VALLEY, CA (MICRO)		CA	$477,250	$610,950	$738,500	$917,800	01/01/2009	CY2009
SANTA ANA-ANAHEIM-IRVINE, CA METROPOLITAN DIVISION	42044	CA	$625,500	$800,775	$967,950	$1,202,925	01/01/2009	CY2009
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)		CA	$474,950	$608,000	$734,950	$913,350	01/01/2009	CY2009
NON-METRO		CA	$336,950	$431,350	$521,400	$648,000	01/01/2009	CY2009
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)		CA	$355,350	$454,900	$549,850	$683,350	01/01/2009	CY2009
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)		CA	$474,950	$608,000	$734,950	$913,350	01/01/2009	CY2009
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)		CA	$625,500	$800,775	$967,950	$1,202,925	01/01/2009	CY2009
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)		CA	$355,350	$454,900	$549,850	$683,350	01/01/2009	CY2009
SAN DIEGO-CARLSBAD-SAN MARCOS, CA (MSA)		CA	$546,250	$699,300	$845,300	$1,050,500	01/01/2009	CY2009
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI	41884	CA	$625,500	$800,775	$967,950	$1,202,925	01/01/2009	CY2009
STOCKTON, CA (MSA)		CA	$304,750	$390,100	$471,550	$586,050	01/01/2009	CY2009
SAN LUIS OBISPO-PASO ROBLES, CA (MSA)		CA	$561,200	$718,450	$868,400	$1,079,250	01/01/2009	CY2009
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI	41884	CA	$625,500	$800,775	$967,950	$1,202,925	01/01/2009	CY2009
SANTA BARBARA-SANTA MARIA, CA (MSA)		CA	$603,750	$772,900	$934,250	$1,161,050	01/01/2009	CY2009
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)		CA	$625,500	$800,775	$967,950	$1,202,925	01/01/2009	CY2009
SANTA CRUZ-WATSONVILLE, CA (MSA)		CA	$625,500	$800,775	$967,950	$1,202,925	01/01/2009	CY2009
REDDING, CA (MSA)		CA	$273,700	$350,350	$423,500	$526,350	01/01/2009	CY2009
NON-METRO		CA	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
NON-METRO		CA	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
VALLEJO-FAIRFIELD, CA (MSA)		CA	$400,200	$512,300	$619,300	$769,600	01/01/2009	CY2009
SANTA ROSA-PETALUMA, CA (MSA)		CA	$520,950	$666,900	$806,150	$1,001,850	01/01/2009	CY2009
MODESTO, CA (MSA)		CA	$276,000	$353,300	$427,100	$530,750	01/01/2009	CY2009

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The CY2009 basic standard mortgage limits for FHA insured loans are:

One-family Two-family Three-family Four-family

FHA Forward $271,050.00 $347,000.00 $419,425.00 $521,250.00

HECM $417,000.00

HOPE for Homeowners $550,440.00

Fannie/Freddie $417,000.00 $533,850.00 $645,300.00 $801,950.00

High cost area limits are subject to a ceiling based on a percent of the Freddie Mac Loan limits
The ceilings for CY2009 are:

One-family Two-family Three-family Four-family

FHA Forward $625,500.00 $800,775.00 $967,950.00 $1,202,925.00

HECM $417,000.00

Fannie/Freddie $625,500.00 $800,775.00 $967,950.00 $1,202,925.00

Section 214 of the National Housing Act provides that mortgage limits for Alaska, Guam, Hawaii, and the Virgin Islands may be adjusted up to 150 percent of the new ceilings. This results in new CY2009 ceilings for these areas of:

One-family Two-family Three-family Four-family

FHA Forward $938,250.00 $1,201,162.00 $1,451,925.00 $1,804,387.00

Fannie/Freddie $938,250.00 $1,201,162.00 $1,451,925.00 $1,804,387.00