For 2026, the FHA loan limits in Hercules of Contra Costa county, CA, are established at $1,089,300 for single-family residences, $1,394,775 for two-unit homes, $1,685,850 for three-unit properties, and $2,095,200 for four-unit buildings.
The maximum available for conventional loans on single-family houses is $1,089,300. For two-unit residences, the limit increases to $1,394,775; it's $1,685,850 for houses with three units and peaks at $2,095,200 for those with four units.
Our FHA calculator is at your service to uncover today's premier FHA rates and determine the necessary down payment, income criteria, credit score, reserves, and required documents for qualification.
The Lendersa® calculator allows for comparisons between FHA rates and those of other loan programs. Examine and compare options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, considered alongside FHA offerings.
Lendersa® pulls detailed loan program information from a multitude of lenders, swiftly comparing it against your tailored financial profile and requirements.
Consult the Loan Limits Comparison Table for 2026 for Hercules in Contra Costa county, CA, to evaluate maximum loan values for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification aspects such as income, reserves, and credit, utilize the 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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