In 2026, the FHA loan limits in Chico county, Butte, CA, are $472,030 for a single-family home. The limit for 2-unit properties is $604,400, for 3-unit homes, it's $730,525, and for 4-unit properties, it stands at $907,900.
The highest amount allowed for conventional loans on a single-family residence is $726,200. For 2-unit dwellings, the limit is $929,850, for 3-unit structures, it's $1,123,900, and for 4-unit buildings, it's $1,396,800.
To discover today's top FHA rates and calculate the necessary down payment, income, credit score, reserves, and documents for qualification, use our FHA calculator.
The Lendersa® calculator allows you to compare FHA rates and terms against all other types of loan programs. Evaluate and compare options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® aggregates loan program data from a vast network of lenders and swiftly compares it to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Chico, within Butte, CA, provides a detailed view of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For additional qualification details, such as income, reserves, and credit, use Lendersa®’s Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $403,600 | $403,600 | $403,600 | $403,600 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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