For 2026, FHA loan limits in Citrus-Heights county of Sacramento, CA, are set at $598,000 for a single-family home, $765,550 for properties with two units, $925,350 for three-unit buildings, and $1,150,000 for four-unit residences.
The maximum loan amount for conventional loans for a single-family dwelling is $598,000. For 2-units, the limit is $765,550, for 3-units it's $925,350, and for 4-units the cap is $1,150,000.
Use our FHA calculator to discover today’s leading FHA rates and ascertain the necessary down payment, income, credit, reserves, and required documentation to qualify.
The Lendersa® calculator makes it easy to compare FHA rates and terms with those of other loan programs. Explore options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA types.
Lendersa® captures loan data from thousands of lenders, offering quick comparisons aligned with your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Citrus-Heights, Sacramento, CA, compares maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification specifics such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $598,000 | $765,550 | $925,350 | $1,150,000 |
| USDA | $478,400 | $478,400 | $478,400 | $478,400 |
| VA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| 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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