In 2026, the FHA loan limits applicable to Buellton county, which resides within Santa Barbara in the state of CA, are structured as follows: a single-family home has a limit of $805,000; for properties with two units, the allowable loan reaches $1,030,550; for three-unit properties, the limit is set at $1,245,700; and for four-unit buildings, the maximum is $1,548,100.
When considering conventional loans, the highest loan amount possible for a single-family residence is $805,000. For homes designed to accommodate two families, the maximum conventional loan amount rises to $1,030,550. Similarly, for residences that can house three families, the limit is extended to $1,245,700. Finally, for homes consisting of four units, the cap is fixed at $1,548,100.
Leverage our FHA calculator to discover today’s most favorable FHA rates. The tool will help determine the necessary down payment, evaluate the requisite income, assess creditworthiness, establish needed reserves, and outline all documents required for seamless qualification.
The Lendersa® calculator is a sophisticated tool designed to empower you to compare the terms and rates of FHA loans with those offered by a broad range of other financial products. These include Conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM loans, and various hard money loans. By utilizing this tool effectively, you can explore which option best suits your financial scenario and aspirations.
Lendersa® processes data obtained from thousands of lenders, delivering rapid and informative comparisons that align precisely with your unique financial profile and specific individualized needs.
The Loan Limits Comparison Table for 2026 offering data pertaining to Buellton county within Santa Barbara, CA, provides comprehensive insights into the maximum loan amounts available for a broad spectrum of loan types. These encompass FHA loans, Conventional Conforming loans, Jumbo loans, USDA loans, VA loans, Non-QM loans, Super Jumbo loans, Reverse Mortgage (HECM), and uniquely structured hard money loans. Should you need a detailed analysis of qualification requirements, including factors such as income levels, reserve minimums, and credit assessments, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is an invaluable resource offering in-depth comparison tools to ensure a well-informed decision-making process.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| USDA | $626,500 | $626,500 | $626,500 | $626,500 |
| VA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| 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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