In 2026, the FHA loan limits for Albany county of Alameda, CA, are set at $1,089,300 for a single-family home, $1,394,775 for properties with two units, $1,685,850 for residences with three units, and $2,095,200 for those with four units.
The maximum for conventional loans on single-family houses is $1,089,300. For two-unit homes, it is $1,394,775, for three units it goes to $1,685,850, and for four units it reaches $2,095,200.
Utilize our FHA calculator to check today’s best FHA rates and determine required down payments, income levels, credit scores, reserves, and documentation for qualification.
The Lendersa® calculator provides tools for comparing FHA rates and terms with those from other loan programs. Explore Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles extensive loan data from thousands of lenders and swiftly aligns it with your unique financial profile and needs.
Consult the Loan Limits Comparison Table for 2026 in Albany county, Alameda, CA, to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For evaluating qualification criteria such as income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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