For 2026, the FHA loan limit in Gilroy county, Santa Clara, CA, is set at $805,000 for a single-family home, $1,030,550 for two-unit properties, $1,245,700 for three-unit buildings, and $1,548,100 for four-unit structures.
The maximum loan amount for conventional loans is $805,000 for a single-family residence, $1,030,550 for a duplex, $1,245,700 for a triplex, and $1,548,100 for four units.
Use our FHA calculator to discover the best FHA rates available today, and figure out the necessary down payment, income, credit scores, reserves, and documents required for qualification.
Lendersa® allows you to compare FHA rates and terms with those from other loan programs. Analyze options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® utilizes data from thousands of lenders, offering fast comparisons tailored to your unique financial needs and profile.
The Loan Limits Comparison Table for 2026 in Gilroy, Santa Clara, CA, features comparisons for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan limits. For criteria like income, reserves, and credit, refer to the 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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