For 2026, the FHA loan limits in Aptos county of Santa Cruz, CA are: $805,000 for a single-family home, $1,030,550 for two-unit houses, $1,245,700 for three units, and $1,548,100 for four-unit homes.
The maximum for conventional loans on a single-family residence is $805,000, with limits for two-unit homes at $1,030,550, three units at $1,245,700, and four units at $1,548,100.
Utilize our FHA calculator to explore today's top FHA rates and assess downpayment, income, credit, reserves, and documentation needed for qualification.
Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates data from thousands of lenders, tailoring comparisons to your unique financial profile rapidly.
Check the Loan Limits Comparison Table for 2026 in Aptos county of Santa Cruz, CA, to explore FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum limits. For examining qualification needs 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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