For 2026, the FHA loan limit in Freedom, located in Santa Cruz county, CA, is $805,000 for a single-family home, $1,030,550 for duplexes, $1,245,700 for triplexes, and $1,548,100 for quadplexes.
The maximum amount for conventional loans on a single-family residence is $805,000, $1,030,550 for two-units, $1,245,700 for three-units, and $1,548,100 for four-units.
Utilize our FHA calculator to view today's best FHA rates and determine the required downpayment, income, credit, reserves, and documents needed for qualification.
Lendersa® calculator allows you to compare FHA rates and terms with those of various other loan programs. Examine and weigh options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and Hard Money loans against FHA deals.
Lendersa® gathers data from thousands of lenders and matches it against your financial profile and requirements within seconds.
For 2026, utilize the Loan Limits Comparison Table for Santa Cruz, CA to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. Assess qualification needs, including income, reserves, and credit, with the help of Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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