In 2026, the FHA loan limit for Gardena county in Los Angeles, CA, is $1,089,300 for a single-family home. For a 2-unit property, the limit is $1,394,775, for 3-units it's $1,685,850, and for 4-units it's $2,095,200.
The maximum amount for conventional loans on a single-family residence is $1,089,300. The limit for 2-unit homes is $1,394,775, for 3-unit dwellings it is $1,685,850, and for 4-unit properties, it is $2,095,200.
Use our FHA calculator to find the best FHA rates today and assess needed downpayents, along with income, credit, reserves, and documentation for qualification.
With the Lendersa® calculator, compare FHA rates and terms with other loan types such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers loan program data from numerous lenders, providing comparisons to suit your personal financial situation and needs.
The Loan Limits Comparison Table for 2026 in Gardena county, Los Angeles, CA contrasts maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification needs like income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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