For 2026, the FHA loan limit in Homestead-Valley county, San Bernardino, CA, stands at $477,250 for single-family homes. It rises to $610,950 for two-unit buildings, $738,500 for three units, and $917,800 for four units.
When it comes to conventional loans, the maximum you can borrow for a single-family residence is $548,250. Duplexes have a limit of $702,000, for three-unit structures it's $848,500, and for four units, the cap is $1,054,500.
Use our FHA calculator to evaluate today’s top FHA rates and determine necessary downpayment, income levels, credit standing, reserves, and documents needed to qualify.
Using the Lendersa® calculator, you can compare FHA rates and terms with other loan programs. Explore and contrast options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans against FHA options.
Lendersa® efficiently compiles data from thousands of lenders, quickly matching it against your specific financial needs and profile.
The Loan Limits Comparison Table for 2026 in Homestead-Valley county, San Bernardino, CA, facilitates comparisons across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate requirements such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $477,250 | $610,950 | $738,500 | $917,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $381,800 | $381,800 | $381,800 | $381,800 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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