For 2026, the FHA loan limit in Cathedral-City, within Riverside, CA, is $477,250 for single-family homes. For 2-unit homes, the limit is $610,950; for 3-units, it's $738,500; and for 4-units, the limit is $917,800.
The maximum for conventional loans on a single-family residence is $548,250. For properties with 2 units, the cap is $702,000, for 3-units, it's $848,500, and for 4-units, the maximum is $1,054,500.
Use our FHA calculator for current best rates. It helps determine necessary downpayments, income, credit, reserves, and documents needed to qualify.
With the Lendersa® calculator, compare FHA rates with Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers data from thousands of lenders, offering fast comparisons tailored to your financial profile.
The 2026 Loan Limits Comparison Table for Cathedral-City county, Riverside, CA, contrasts FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification needs like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $477,250 | $610,950 | $738,500 | $917,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $381,800 | $381,800 | $381,800 | $381,800 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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