In 2026, within Fremont, situated in Alameda, CA, the FHA loan limits are defined as follows: $1,089,300 for a single-family home. For properties that include 2-units, the loan limit rises to $1,394,775. For those comprising 3-units, the cap is set at $1,685,850, and for 4-unit housing, it's extended to $2,095,200.
When considering conventional loans, the maximum amounts available are delineated as $1,089,300 for a single-family residence. For a 2-unit building, the limit stands at $1,394,775. Properties with 3-units can reach up to $1,685,850, and for 4-unit buildings, the maximum is $2,095,200.
Our FHA calculator offers insight into today's most competitive FHA rates, helping determine crucial qualifications such as downpayment, necessary income, credit standings, financial reserves, and the specific documentation required to qualify efficiently.
Utilize the Lendersa® calculator to compare a variety of loan offerings, enabling you to weigh FHA rates and terms against other established loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money lending solutions. This tool empowers users to explore and evaluate diverse options alongside FHA.
Lendersa® uses its extensive connections to gather loan data from thousands of lenders, offering a timely and precise comparison service tailored specifically to your unique financial circumstances and needs.
The Loan Limits Comparison Table for 2026 found in Fremont, located in Alameda, CA, allows for detailed comparison of loan amount limits across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To better compare qualification criteria, including factors like income, reserve amounts, and credit ratings, put the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to work for you.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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