For 2026, the FHA loan limit in Cerritos county, within Los Angeles, CA, is set at $1,089,300 for a single-family home. When considering properties with two units, the limit is $1,394,775, for three units it is $1,685,850, and for four units, $2,095,200 applies.
The maximum permissible loan amount for conventional loans on a single-family home is $1,089,300. For homes with two units, the limit is $1,394,775; it's $1,685,850 for three-unit homes, and for four units, $2,095,200.
To find out today’s most competitive FHA rates and discern the necessary downpayment, income, credit, reserves, and documents for qualification, utilize our FHA calculator.
The Lendersa® calculator facilitates comparing FHA rate and term details against all other available loan programs. You can explore varied options, including Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans alongside FHA.
Lendersa® swiftly aggregates loan data from a multitude of lenders, then aligns it with your unique financial profile for a tailored comparison.
In the Loan Limits Comparison Table for 2026 located in Cerritos county of Los Angeles, CA, you can view maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To study qualification criteria such as income, reserves, and credit requirements, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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