In 2026, FHA loan limits in Arcata county of Humboldt, CA, set are $472,030 for a single-family home, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
The cap for conventional loans on a single-family residence is $726,200. For two-unit homes, it reaches $929,850, for three units $1,123,900, and for four units $1,396,800.
Use our FHA calculator to find today's best FHA rates and determine the downpayment, income, credit, reserves, and documents necessary to qualify.
The Lendersa® calculator enables you to compare FHA rates and terms alongside those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-Qm, and hard money options.
Lendersa® collects extensive loan program data from thousands of lenders, matching it with your financial profile for swift, personalized comparison.
The Loan Limits Comparison Table for 2026 in Arcata county, Humboldt, CA details the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to examine requirements such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $400,000 | $400,000 | $400,000 | $400,000 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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