In 2026, the FHA loan limit for Day-Valley, located in Santa Cruz county, CA, is $822,375 for a single-family home. For 2-units, it is $1,053,000, for 3-unit properties it's $1,272,750, and for those with 4-units, it's $1,581,750.
Conventional loan maximums for a single-family residence are $822,375. For residences holding 2-units, it reaches $1,053,000, for 3-units it is $1,272,750, and for 4-units the amount is $1,581,750.
Utilize our FHA calculator to explore today’s finest FHA rates, and ascertain the needed downpayment, income, credit, reserves, and documentation necessary to qualify.
Through the Lendersa® calculator, you can compare FHA rates and terms with those of various other loan programs. Delve into FHA alongside options such as Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® collects extensive loan program data from thousands of lenders and aligns it promptly against your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Santa Cruz, CA, offers an analysis of the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. Evaluate qualifications such as income, reserves, and credit using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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