In 2026, the FHA loan limit in Hillsborough county of San Mateo, CA is $1,089,300 for single-family homes, $1,394,775 for two-unit residences, $1,685,850 for three-unit buildings, and $2,095,200 for those with four units.
The maximum loan amounts for conventional loans are $1,089,300 for a single-family home, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four-unit properties.
Utilize our FHA calculator to uncover today's best FHA rates and identify the necessary downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator enables comparison of FHA rates with those from other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® swiftly gathers data from thousands of lenders and aligns it with your unique financial profile to provide a quick comparison.
Refer to the Loan Limits Comparison Table for 2026 in Hillsborough county of San Mateo, CA, which includes maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification requirements 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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