In 2026, the FHA loan limit for Folsom county in Sacramento, CA, is $763,600 for a single-family home. For properties with 2-units, it is $977,550, for those with 3-units, it’s $1,181,650, and the limit for 4-units is $1,468,500.
Conventional loan maximums are set at $763,600 for a single-family residence. For duplexes, the limit is $977,550, for triplexes, it's $1,181,650, and for fourplexes, it is $1,468,500.
The FHA calculator helps you assess today’s competitive FHA rates and determine necessary components like down payment, income levels, credit, reserves, and the documents required to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with alternative loan program options. Evaluate possibilities including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA offerings.
Data is gathered from thousands of lenders by Lendersa®, enabling rapid comparison against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Folsom of Sacramento, CA assesses FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maxima. To check qualification requirements such as income, reserves, and credit, employ 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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