For the year 2026, the FHA loan limits in Ben-Lomond, located in the county of Santa Cruz, CA are structured as follows: For a single-family home, the limit is set at $822,375. For properties with two units, the maximum loan limit is $1,053,000; for three-unit buildings, it's $1,272,750, and four-unit structures can go up to $1,581,750.
In the case of conventional loans, the upper limit for a single-family residence is $822,375. For residences with two units, the cap is $1,053,000; for three-unit dwellings, it rises to $1,272,750, increasing further to $1,581,750 for four-unit configurations.
Our FHA calculator is available to provide insights into today's most competitive FHA rates, aiding in the determination of downpayment requirements, and assessing income, credit scores, reserves, along with the necessary documents to qualify for a loan.
The Lendersa® calculator is a powerful tool that facilitates comparison of FHA rates and terms with those of other loan programs including Conventional loans, Jumbo, VA, USDA, Non-QM loans, and hard money options. Engage in a detailed exploration to understand how FHA stacks up against these variants.
Backed by data, Lendersa® draws loan program details from a comprehensive network of thousands of lenders, allowing us to rapidly contrast these against your own unique financial needs and profile.
In 2026, for the Ben-Lomond region in the county of Santa Cruz, CA, our Loan Limits Comparison Table enables the analysis of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To delve deeper into qualification specifics such as income, reserves, and credit requirements, 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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