As of 2026, the FHA loan limit in Carmichael county, Sacramento, CA is set at $763,600 for a single-family home, $977,550 for two-unit residences, $1,181,650 for three-unit properties, and $1,468,500 for four-unit buildings.
For conventional loans, the maximum amount for a single-family dwelling is $763,600, while it is $977,550 for two-unit dwellings, $1,181,650 for three units, and $1,468,500 for four units.
To explore today's best FHA rates, use our calculator to determine the necessary downpayment, evaluate your income, credit score, reserves, and other documents needed for qualification.
The Lendersa® calculator provides a way to compare FHA rate and terms with those of other loan programs. Investigate and contrast options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA loans.
By sourcing data from a multitude of lenders, Lendersa® quickly aligns it with your personal financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in Carmichael county, Sacramento, CA, offers a thorough comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification requirements like income, reserves, and credit standards, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| USDA | $540,000 | $540,000 | $540,000 | $540,000 |
| VA | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| 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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