In 2026, the FHA loan limit in Highland county, which is part of San Bernardino, CA, is $1,089,300 for a single-family home. This increases to $1,394,775 for two-unit properties, $1,685,850 for three-unit homes, and $2,095,200 for four-unit properties.
The maximum loan amount for conventional financing on a single-family house is $1,089,300. For 2-unit homes, the limit is $1,394,775; it goes up to $1,685,850 for 3-unit properties, and to $2,095,200 for those with four units.
Utilize our FHA calculator to access today’s best FHA rates and to determine the necessary downpayment, income, credit requirements, reserves, and documents needed for qualification.
The Lendersa® calculator facilitates comparison between FHA rates and other loan products, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® accesses loan program data from numerous lenders, enabling rapid comparison aligned with your personal financial profile and requirements.
For 2026 in Highland county, San Bernardino, CA, you can compare maximum loan amounts for various loans—FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money—using the Loan Limits Comparison Table. To examine qualification needs like 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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