In 2026, FHA loan limits in Capitola county of Santa Cruz, CA are set at $805,000 for a single-family home, $1,030,550 for 2-units, $1,245,700 for 3-units, and $1,548,100 for 4-units.
The maximum loan amounts for conventional loans are $805,000 for single-family residences, $1,030,550 for 2-units, $1,245,700 for 3-units, and $1,548,100 for 4-units.
Use our FHA calculator to access today’s best FHA rates and determine the downpayment, income, credit, reserves, and documents needed for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms with those from other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, exploring and weighing your options.
Lendersa® quickly gathers data from thousands of lenders, offering comparisons that align with your unique financial profile and needs.
Our Loan Limits Comparison Table for 2026 in Capitola county of Santa Cruz, CA covers maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To analyze qualifications in areas like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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