As of 2026, the FHA loan limits in Elverta, Sacramento county, CA, are as follows: $763,600 for a single-family home, $977,550 for two-unit properties, $1,181,650 for three-unit buildings, and $1,468,500 for four-unit residences.
The maximum loan amount for conventional mortgages on a single-family residence is $763,600. For two units, it goes up to $977,550, for three units $1,181,650, and it reaches $1,468,500 for four units.
Use our FHA calculator to explore the best FHA rates available today and determine the required downpayment, income, credit score, reserves, and documentation needed to qualify.
The Lendersa® calculator facilitates a detailed comparison between FHA rates and terms with other loan programs. Consider a wide range of options, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, in addition to FHA.
Lendersa® rapidly gathers loan program data from thousands of lenders and efficiently compares it with your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Elverta, Sacramento, CA, provides a thorough evaluation of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To dive into qualification prerequisites, including income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| USDA | $540,000 | $540,000 | $540,000 | $540,000 |
| VA | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| 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 |
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