In 2026, the FHA loan limits for Auburn-Lake-Trails in El Dorado county, CA, are $598,000 for a single-family home, $765,550 for two-unit properties, $925,350 for three-unit buildings, and $1,150,000 for four-unit homes.
The conventional loan limit on a single-family home is $598,000. For 2-units, it's $765,550, for 3-units it's $925,350, and for 4-units, it's $1,150,000.
Utilize our FHA calculator to see today’s prime FHA rates and assess the required downpayment, income, credit, reserves, and needed documents for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with various other loan programs. Explore Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans in comparison to FHA offerings.
Lendersa® collects data from thousands of lenders, rapidly evaluating it against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in El Dorado, CA shows comparisons of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loan limits. To assess qualification needs such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $598,000 | $765,550 | $925,350 | $1,150,000 |
| USDA | $478,400 | $478,400 | $478,400 | $478,400 |
| VA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| 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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