During 2026, FHA loan limits in Amesti, Santa Cruz county, CA, are established as $805,000 for single-family homes, $1,030,550 for two-unit properties, $1,245,700 for three units, and $1,548,100 for four units.
The maximum conventional loan amount on a single-family residence is $805,000. For 2-unit homes, it's $1,030,550, for 3-units $1,245,700, and for 4-units $1,548,100.
Utilize our FHA calculator to explore today’s best FHA rates and determine necessary downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator allows comparison of FHA rates and terms with those of other loan options. Consider FHA alongside Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® compiles data from thousands of lenders, quickly aligning it with your individual financial profile and needs.
For 2026, utilize the Loan Limits Comparison Table in Santa Cruz, CA, which provides information on maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. To assess qualifications like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| USDA | $626,500 | $626,500 | $626,500 | $626,500 |
| VA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| 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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