For 2026, the FHA loan limits within Berkeley in Alameda county of CA are established at $1,089,300 for a single-family property, $1,394,775 for buildings with two units, $1,685,850 for structures housing three units, and $2,095,200 for four-unit complexes.
When it comes to conventional loans, the highest loan amounts permitted are $1,089,300 for a single-family residence, $1,394,775 for dwellings with two units, $1,685,850 for homes with three units, and $2,095,200 for properties with four units.
Utilize our FHA calculator to fetch today's best FHA rates and assess important details like the down payment, required income, credit score, reserves, and essential documents needed to meet qualification standards.
The Lendersa® calculator serves to conveniently compare FHA rates and conditions against all other loan program offers. You can investigate and weigh options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offers.
Gathering data from thousands of different lenders, Lendersa® swiftly evaluates loan program details based on your individual financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in Berkeley within Alameda county, CA, is a comprehensive resource for comparing maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For eligibility criteria such as income, reserves, and credit, try utilizing the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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