In 2026, the FHA loan limits for Boulder-Creek county in Santa Cruz, CA are set at $822,375 for a single-family home, $1,053,000 for a duplex, $1,272,750 for triplex properties, and $1,581,750 for four-unit buildings.
Conventional loan limits reach up to $822,375 for single-family homes. For properties with two-unit accommodations, the maximum is $1,053,000. Triplex properties have a limit of $1,272,750, while four-unit buildings can secure loans up to $1,581,750.
Leverage our FHA calculator to explore today's top FHA rates and assess what down payment, income, credit score, financial reserves, and documentation are necessary to qualify.
Our Lendersa® calculator lets you compare FHA rates and terms against a broad spectrum of other loan programs. Consider options like Conventional loans, Jumbo financing, VA, USDA, Non-QM options, and various hard money loan types, with FHA parameters as a benchmark.
Lendersa® efficiently gathers data from numerous lenders, evaluating it quickly to align with your specific financial profile and requirements, delivering instantaneous personalized comparisons.
The Loan Limits Comparison Table for 2026, encompassing Boulder-Creek county, part of Santa Cruz, CA, affords a detailed examination of maximum loan amounts. It spans FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and, of course, hard money loans. For comprehensive qualification assessments—considering facets like income, reserve needs, and credit parameters—you are encouraged to employ Lendersa® Super Loan Integrated Qualifier (SLIQ™), providing insights into critical requirements and expectations.
| 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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