As of 2026, the FHA loan limit in Goleta, within Santa Barbara county, situated in CA, stands at $805,000 for a single-family dwelling, while it's $1,030,550 for dual-family units, $1,245,700 for three-unit properties, and $1,548,100 for four-unit houses.
Conventional loan maximums are $805,000 for single-family homes, $1,030,550 for two-family homes, $1,245,700 for properties with three units, and $1,548,100 for those with four units.
By using our FHA calculator, you can check the most competitive FHA rates available today and find out the downpayment, income, credit rating, reserves, and documents crucial for qualification.
The Lendersa® tool allows you to contrast FHA rates and terms alongside those of other loan packages. Delve into options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans right alongside FHA possibilities.
Drawing on vast lender data, Lendersa® quickly matches suitable offerings tailored to your specific financial profile.
The Loan Limits Comparison Table, detailed for 2026 in Goleta, within Santa Barbara county, CA, enables comparisons of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans' maximum amounts. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to examine qualification needs, including income, credit, and reserves.
| 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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