In the year 2026, the FHA loan limits for properties located in Concord within the county of Contra Costa, CA, are defined as follows: For a single-family home, the limit is $1,089,300. If you are considering a 2-unit property, the limit increases to $1,394,775. For homes featuring 3-units, the cap is set at $1,685,850. Finally, if you are exploring a property with 4-units, the maximum allowable by FHA is $2,095,200.
On the conventional loan front, the amounts you can borrow are capped at different levels depending on the property type: for single-family homes, the limit is $1,089,300. For 2-unit residences, the boundary is $1,394,775. A property with 3-units allows a maximum of $1,685,850. Moreover, for those considering 4-unit buildings, the highest potential loan amount is set at $2,095,200.
For those exploring current financing options, using our FHA calculator can provide insight into today’s leading FHA loan rates. It also helps prospective borrowers determine some vital eligibility requirements, including the necessary downpayment, income standards, credit score expectations, associated reserves, and important documentation that may be necessary for qualification.
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The Lendersa® calculator serves as a potent tool for comparing both FHA rates and terms with those of various other lending programs. This includes options from Conventional loans, expansive Jumbo loans, veterans-friendly VA loans, USDA offerings for rural developments, Non-QM alternatives, and hard money loans. Through these comparisons, borrowers can explore and contrast these financing options effectively with FHA.
Lendersa® excels at gathering comprehensive data concerning various loan programs from thousands of potential lenders, carrying out an efficient comparison against your personal financial profile and specific needs within seconds. This data aggregation ensures well-informed financial decisions.
The Loan Limits Comparison Table specific to the year 2026 available for borrowers in Concord county of Contra Costa, CA, offers a thorough comparison across maximum loan amounts not only for FHA but also for Conventional Conforming loans, Jumbo loans, USDA loans, VA programs, Non-QM options, Super Jumbo loans, Reverse Mortgage options (HECM), as well as hard money limits. To delve deeper into qualification metrics such as income, reserves, and credit prerequisites, using the innovative Lendersa® Super Loan Integrated Qualifier (SLIQ™) is highly recommended for detailed analysis.
| 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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