For 2026 in Big-Bear-City county of San Bernardino, CA, FHA loan limits are set at $477,250 for a single-family home, $610,950 for 2-unit residences, $738,500 for homes with 3 units, and $917,800 for 4-unit buildings.
The maximum allowable for conventional loans on a single-family house is $548,250, $702,000 for two-unit homes, $848,500 for 3-unit properties, and $1,054,500 for structures with four units.
Utilize our FHA calculator to check out today’s best FHA rates and identify the downpayment, income, credit, reserves, and documents needed for qualification.
Using the Lendersa® calculator, compare FHA rates and terms with other loan programs. Consider exploring options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® pulls comprehensive loan data from thousands of lenders, delivering comparisons tailor-fit to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Big-Bear-City county of San Bernardino, CA helps you view maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For analyzing requirements such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $477,250 | $610,950 | $738,500 | $917,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $381,800 | $381,800 | $381,800 | $381,800 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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