In 2026, FHA loan limits in El-Cerrito county of Contra Costa, CA are set at $822,375 for single-family homes, $1,053,000 for two-unit homes, $1,272,750 for three-unit buildings, and $1,581,750 for four-unit properties.
The maximum for conventional loans on single-family residences goes up to $822,375; for two-unit homes, it's $1,053,000; for three-unit buildings, $1,272,750; and $1,581,750 for four-unit properties.
Use our FHA calculator to explore today’s top FHA rates and determine the necessary down payment, income criteria, credit scores, reserves, and required documents for qualification.
The Lendersa® calculator provides a comparison of FHA rates and terms with those of other loans, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers detailed loan program data from numerous lenders, swiftly aligning it with your distinct financial profile and needs.
Look at the Loan Limits Comparison Table for 2026 in El-Cerrito, Contra Costa county, CA, to weigh the top loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage, and hard money loans. To assess qualifications such as income, reserves, and credit, employ 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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