In 2026, the FHA loan limit in the county of Contra Costa, within Bay-Point, CA, stands at $822,375 for a single-family home. For properties with two units, the limit is $1,053,000, and for those with three units, it's $1,272,750; for four-unit homes, the cap is $1,581,750.
The maximum loan amount for conventional loans on single-family houses is $822,375. For residences with two units, the amount increases to $1,053,000, $1,272,750 for those with three units, and it caps at $1,581,750 for properties with four units.
Utilize our FHA calculator to view today’s optimal FHA rates and determine necessary down payments, income requirements, credit scores, reserves, and the documentation needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms against those of other loan programs. Investigate different options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA.
Lendersa® accumulates comprehensive loan data from thousands of lenders, efficiently comparing it with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Bay-Point, Contra Costa county, CA, lets you assess maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To scrutinize qualification criteria such as income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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