In 2026, the FHA loan limit for Commerce county, located within Los Angeles, CA, stands at $1,089,300 for single-family homes, $1,394,775 for duplexes, $1,685,850 for triplexes, and $2,095,200 for four-unit residencies.
For conventional loans, the maximum amount for a single-family dwelling is $1,089,300, with $1,394,775 available for duplexes, $1,685,850 for triplexes, and $2,095,200 for homes with four units.
Utilize our FHA calculator to find the best rates today and see the required downpayment, income, credit score, reserves, and documentation to qualify.
With the Lendersa® calculator, you can compare FHA rates and terms with other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money options.
Lendersa® accesses data from thousands of lenders to instantly assess your unique financial situation and compare it against current loan offers.
Check our Loan Limits Comparison Table for 2026 in Commerce county of Los Angeles, CA to view limits for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a detailed comparison of income, reserves, and credit qualifications, 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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