For 2026, the FHA loan limits in Desert-Palms, Riverside county, CA, are as follows: for a single-family home, the limit is $477,250; for two-unit properties, it is $610,950; for three-unit buildings, $738,500; and for four-unit residences, $917,800.
Similarly, in conventional loans, the maximum loan amount for a single-family home is $548,250. For two-unit dwellings, it's $702,000; for triplexes, it's $848,500; and for four-unit complexes, the limit is $1,054,500.
Utilize our FHA calculator to uncover competitive FHA rates available today and to determine the necessary downpayment, credit, income, reserves, and documentation needed for qualification.
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In 2026, the Loan Limits Comparison Table for Desert-Palms in Riverside, CA, provides an in-depth comparison among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For detailed qualification criteria like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $477,250 | $610,950 | $738,500 | $917,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $381,800 | $381,800 | $381,800 | $381,800 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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