For 2026, the FHA loan limits in Imperial county, Imperial, CA, are set at $472,030 for single-family homes. The limits rise to $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit buildings.
Regarding conventional loans, the highest amount permitted for a single-family residence is $726,200. Two-unit properties can reach up to $929,850, while three-unit homes have a cap of $1,123,900, and four-unit ones are limited to $1,396,800.
Utilize our FHA calculator to access today's most advantageous FHA rates and to evaluate down payment, income, credit, reserves, and qualification documents necessary for approval.
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The Lendersa® calculator lets you examine and compare the rates and conditions of FHA loans with those of other programs. Explore options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® sources loan program information from a multitude of lenders, and provides rapid comparisons that align with your individual financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Imperial county, Imperial, CA, allows you to contrast maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification specifications such as income, reserves, and credit, apply the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $376,500 | $376,500 | $376,500 | $376,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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