In 2026, FHA loan limits in Bonny-Doon, located in Santa Cruz county, CA, are $822,375 for a single-family home, $1,053,000 for properties with two units, $1,272,750 for three-unit residences, and $1,581,750 for four-unit buildings.
The highest amount for conventional loans on a single-family residence is $822,375. For 2-units, it is $1,053,000, for 3-units it is $1,272,750, and for 4-units, it's $1,581,750.
Utilize our FHA calculator to explore today’s FHA rates and determine the necessary downpayment, income, credit, reserves, and documentation required for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with those from other loan programs. Look into Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans along with FHA options.
Lendersa® collects loan program data from thousands of lenders, quickly matching it against financial profiles and needs unique to you.
For 2026, the Loan Limits Comparison Table in Santa Cruz, CA, explores maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to check qualification needs like income, reserves, and credit.
| 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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