For 2026, the FHA loan limits in Clayton county of Contra Costa, CA, are set at $1,089,300 for single-family residences, $1,394,775 for homes with two units, $1,685,850 for three-unit buildings, and $2,095,200 for properties with four units.
The maximum amount available for conventional loans is $1,089,300 for a single-family home. For two-unit buildings, it stands at $1,394,775, $1,685,850 for structures with three units, and $2,095,200 for four-unit properties.
Utilize our FHA calculator to discover today's optimal FHA rates and to ascertain necessary downpayments, income levels, credit considerations, reserves, and documentation essential for qualifying.
The Lendersa® calculator allows for comprehensive comparisons of FHA rates and terms against various loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® rapidly gathers data from thousands of lenders, providing a comparison matched to your unique financial situation within seconds.
Consult the Loan Limits Comparison Table for 2026 in Clayton county of Contra Costa, CA, outlining maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To delve into qualification criteria such as income, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is an invaluable tool.
| 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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