In 2026, the FHA loan limit in Half-Moon-Bay county of San Mateo, CA, is $822,375 for single-family homes, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
The maximum loan amounts for conventional loans on single-family homes are $822,375, rising to $1,053,000 for two-unit homes, $1,272,750 for three-unit properties, and $1,581,750 for four units.
Use our FHA calculator to access today's leading FHA rates and determine required down payments, income levels, credit standards, reserves, and documentation for eligibility.
The Lendersa® calculator helps compare FHA rates and terms with those of other loan programs. Explore and evaluate options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® efficiently compiles data from thousands of lenders, quickly aligning it with your unique financial profile and needs.
See the Loan Limits Comparison Table for 2026 in Half-Moon-Bay, San Mateo county, CA, to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage, and hard money loans. To evaluate qualification criteria such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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