For 2026, in El-Centro within Imperial county, CA, the FHA loan limit is $356,362 for a single-family home, $456,275 for a duplex, $551,500 for a triplex, and $685,400 for fourplexes.
Conversely, the maximum loan limit for conventional loans is $548,250 for a single-family dwelling, $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Use our FHA calculator to check out today's most favorable FHA rates and evaluate what down payment, income, credit score, reserves, and documentation are required for qualification.
The Lendersa® calculator allows you to compare FHA rates with terms from all other loan programs. Assess and explore different options, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA packages.
Sourcing data from a vast number of lenders, Lendersa® provides rapid comparisons tailored to your individual financial needs and unique profile.
Refer to the Loan Limits Comparison Table for 2026 in El-Centro, Imperial, CA, to compare the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. For a detailed analysis of qualification requirements like income, reserves, and credit, utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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 |
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
