In 2026, the FHA loan limits for Downey, Los Angeles county, CA, are $1,089,300 for single-family homes, $1,394,775 for two-unit properties, $1,685,850 for three-unit homes, and $2,095,200 for four-unit buildings.
The highest amounts for conventional loans on a single-family residence stand at $1,089,300, while for duplexes it's $1,394,775, triplexes are set at $1,685,850, and for fourplexes it's $2,095,200.
Use our FHA calculator to examine today’s top FHA rates and determine essential elements such as down payment, income, credit requirements, reserves, and necessary documentation for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with those from all other loan programs. Evaluate and research options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans along with FHA offers.
Lendersa® retrieves loan program information from thousands of lenders, providing rapid comparison tailored to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Downey, Los Angeles, CA, enables comparisons of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To examine qualification needs like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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