For 2026, FHA loan limits in Felton, located in Santa Cruz county, CA, are $805,000 for single-family homes, $1,030,550 for 2-units, $1,245,700 for 3-units, and $1,548,100 for 4-units.
The maximum loan amount for conventional loans on a single-family residence is $805,000. For two units, it is $1,030,550, for three units $1,245,700, and for four units $1,548,100.
Use our FHA calculator to view today's top FHA rates and determine the downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs. Compare FHA with Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® aggregates loan program data from thousands of lenders, comparing it with your specific financial profile and needs.
For 2026, consult the Loan Limits Comparison Table in Santa Cruz, CA, to review differences across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| USDA | $626,500 | $626,500 | $626,500 | $626,500 |
| VA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| 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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