In the year 2026, FHA loan limits for El-Dorado-Hills county in El Dorado, CA, are $598,000 for a single-family home. For two-unit homes, it's set at $765,550, increasing to $925,350 for three units, and reaching $1,150,000 for properties with four units.
The maximum allowable amount for conventional loans on a single-family residence is $598,000. For homes with two units, it rises to $765,550. For three units, the cap is $925,350, and it extends to $1,150,000 for four units.
Our FHA calculator is invaluable for discovering today’s prime FHA rates, and determining the necessary downpayment, income, credit reserves, and documentation required for qualification.
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The Lendersa® calculator offers a robust platform to compare FHA rates and terms alongside those offered by other loan programs, such as Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans. This comprehensive comparison ensures you consider a full spectrum of financial choices.
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The Loan Limits Comparison Table for 2026 in El-Dorado-Hills county of El Dorado, CA, provides an insightful evaluation of maximum loans across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly evaluate the qualification requirements—such as income, reserves, and credit—use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $598,000 | $765,550 | $925,350 | $1,150,000 |
| USDA | $478,400 | $478,400 | $478,400 | $478,400 |
| VA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| 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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