In 2026, the FHA loan limit for East-Palo-Alto in San Mateo, CA, is determined to be $822,375 for a single-family house. For properties with two units, it is $1,053,000. For those with three units, it becomes $1,272,750, and for four-unit residences, it increases to $1,581,750.
The ceiling for conventional loans on a single-family dwelling stands at $822,375. When it comes to two-unit homes, the limit is $1,053,000; for three-unit properties, it elevates to $1,272,750, and for four-unit structures, it tops out at $1,581,750.
Gain insights into today’s prime FHA rates using our calculator, which aids in computing the needed downpayment, income prerequisites, credit qualifications, reserve requirements, and documentation necessary for eligibility.
The Lendersa® calculator empowers you to measure FHA rates and terms against a spectrum of other loan programs. Opportunities abound to explore and juxtapose, such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Drawing on a vast pool of lender data, Lendersa® matches programs swiftly with your financial profile and circumstances.
In East-Palo-Alto, San Mateo, CA, the Loan Limits Comparison Table for 2026 presents a detailed look at the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM Reverse Mortgages, and hard money loans. For a comprehensive evaluation of qualification criteria like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) tool.
| 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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