In 2026, the FHA loan limits for Big-Bear-Lake county in San Bernardino, CA are as follows: for a single-family home, the limit is $477,250; for duplexes, it's $610,950; for triplex properties, it's $738,500; and for four-unit buildings, the limit is $917,800.
For conventional loan limits on single-family homes, the cap is $548,250. For 2-unit homes, it is set at $702,000, while 3-unit properties have a maximum of $848,500. Finally, the limit for four-unit residences reaches $1,054,500.
You can utilize our FHA calculator to find the best FHA rates available today. Additionally, it helps calculate the necessary down payment, required income, credit score, reserves, and documents essential for qualification.
With the Lendersa® calculator, you have the ability to compare FHA rates and terms against those of other loan programs. Consider and contrast options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® aggregates loan program information from thousands of lenders and quickly matches it to fit your distinct financial profile and specific needs.
The Loan Limits Comparison Table for the year 2026 in Big-Bear-Lake county, which is part of San Bernardino, CA, allows you to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification criteria such as Income, reserves, and credit requirements, employ 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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