For the year 2026, the FHA loan cap in Fair-Oaks of Sacramento, CA, stands at $598,000 for single-family homes, $765,550 for two units, $925,350 for three units, and $1,150,000 for four units.
Conventional loans have a limit of $598,000 for single-family houses, increasing to $765,550 for two-unit properties, $925,350 for three units, and $1,150,000 for four units.
Utilize our FHA calculator to look at the finest FHA rates today and figure out the necessary downpayment, income, credit score, reserves, and documentation needed for qualification.
The Lendersa® calculator lets you match FHA rates and conditions against different loan schemes. Review and contrast options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
With data from thousands of lenders, Lendersa® swiftly aligns available loan information with your financial requirements.
The Loan Limits Comparison for 2026 in Fair-Oaks, within Sacramento, CA, enables evaluation of maximum limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM Reverse Mortgages, and hard money lending. For more details on qualification needs like income, reserves, and credit score, use 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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