In 2026, the FHA loan limit for Cupertino county, Santa Clara, CA, is $805,000 for a single-family home. For a 2-unit building, it's $1,030,550; for a 3-unit property, $1,245,700; and for a 4-unit residence, $1,548,100.
For conventional loans on a single-family home, the max is $805,000. For properties with 2 units, it's $1,030,550; for 3 units, $1,245,700; and for 4-unit homes, $1,548,100.
Use our FHA calculator to find today's best FHA rates and assess necessary downpayments, income, credit, reserves, and required documents for qualification.
The Lendersa® calculator enables comparison between FHA rates and terms against other loan programs, like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates data from thousands of lenders to provide comparisons tailored to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Cupertino county, Santa Clara, CA, highlights FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan max limits. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to analyze qualification needs, such as income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| USDA | $626,500 | $626,500 | $626,500 | $626,500 |
| VA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| 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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