For 2026, the FHA loan limits specified for Cotati county in Sonoma, CA are as follows: - $861,350 for a single-family home, - $1,102,700 for 2-unit residences, - $1,332,900 for homes with 3 units, - and $1,656,450 for 4-unit properties.
The highest conventional loan amounts for a single-family residence are: - $861,350 for one unit, - $1,102,700 for two units, - $1,332,900 for homes with three units, - $1,656,450 for four-unit structures.
Take advantage of our FHA calculator to uncover today’s prime FHA rates and evaluate what's needed in downpayment, income, credit assessment, reserves, and documentation to ensure qualification.
The Lendersa® calculator enables comparison of FHA rates and terms with those from other loan programs. Consider and analyze FHA alongside Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans for comprehensive assessment.
Lendersa® gathers extensive loan program data from thousands of lenders, offering rapid comparisons aligned with your personal financial profile and needs.
The Loan Limits Comparison Table for 2026 in Cotati county of Sonoma, CA outlines maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money types. To explore qualification requirements such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for a complete evaluation of your eligibility and readiness.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $861,350 | $1,102,700 | $1,332,900 | $1,656,450 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $861,350 | $1,102,700 | $1,332,900 | $1,656,450 |
| USDA | $763,200 | $763,200 | $763,200 | $763,200 |
| VA | $861,350 | $1,102,700 | $1,332,900 | $1,656,450 |
| 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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