In the year 2026, the FHA loan limit for a single-family home in Huntington-Beach county, CA, is set at $822,375. For properties with 2-units, the limit is $1,053,000, for 3-units it's $1,272,750, and for 4-units, the cap is $1,581,750.
For conventional loan limits, a single-family residence is subject to a maximum of $822,375. For a property with 2-units, the cap is $1,053,000, whereas for 3-units, $1,272,750 is the limit, and for 4-units, it reaches $1,581,750.
Utilize our FHA calculator to discover today's top FHA rates and figure out the necessary downpayment, income, credit score, reserves, as well as the documentation required for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms alongside various other loan program options. Delve into conventional, jumbo, VA, USDA, Non-QM, and hard money loans, comparing each with FHA offerings.
Obtaining data from thousands of lenders, Lendersa® swiftly analyzes this information against your financial needs and profile for an easy comparison.
Our Loan Limits Comparison Table for 2026 helps you compare the maximum loan amounts in Huntington-Beach county of Orange, CA across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess differences in qualifications like income, reserves, and credit.
| 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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