For 2026, FHA loan limits in Cottonwood, county of Shasta, CA, are set at $472,030 for a single-family home, $604,400 for a duplex, $730,525 for triplexes, and $907,900 for four-unit properties.
The maximum allowable amount for conventional loans on a single-family residence is $726,200. For dual units, it's $929,850, for three units, $1,123,900, and for four-unit homes, $1,396,800.
Use our FHA calculator to find today's top FHA rates and determine required downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator facilitates comparison of FHA rates and terms with those of other loan programs. Assess FHA alongside Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® efficiently collects loan program data from thousands of lenders, matching it with your financial profile and needs.
For 2026, the Loan Limits Comparison Table in Shasta, CA, allows examination of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loan maximums. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualifications such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $384,900 | $384,900 | $384,900 | $384,900 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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