In 2026, the FHA loan limits set for properties in Emerald-Lake-Hills county, part of San Mateo in CA, are defined as follows: a single-family home can have a limit up to $822,375. For properties designed to house two families, the loan limit is $1,053,000. If a property caters to three-unit setups, loans are capped at $1,272,750. For four-unit dwellings, the highest permissible loan is $1,581,750.
Conventional loans offer different maximum lending limits: $822,375 for a single-family home, increasing to $1,053,000 for duplexes—houses with two units. For triplex properties, where three units exist, the maximum loan amount is $1,272,750, and for four-unit residences, it's $1,581,750.
Explore our FHA calculator to uncover today's best possible FHA rates. This invaluable tool assists you in determining the necessary down payment, evaluating income levels, considering credit standards, estimating reserves, and identifying the appropriate documentation required for qualifying.
The robust Lendersa® calculator empowers you to compare and contrast the rates and terms of FHA loans with those of various other lending programs. This includes exploring options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans. You can evaluate these alongside FHA to figure out the best possible fit for your financial strategy and requirements.
Lendersa® efficiently compiles extensive data from an expansive network of lenders, ensuring rapid and accurate comparisons that align with your specific financial circumstances, delivering swift and customized insights into available choices.
The Loan Limits Comparison Table for 2026 offering key insights relevant to Emerald-Lake-Hills county, part of San Mateo, CA, is critical for assessing maximum borrowing amounts across various loan types. This includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a comprehensive interpretation of qualification requirements encompassing income, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) stands as an essential tool, offering detailed analysis for fully informed decision-making processes.
| 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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