For 2026, the FHA loan limits set for Indio, situated in the county of Riverside, CA, include $644,000 for a single-family home. For residences comprising 2-units, the limit increases to $824,450. In terms of 3-unit homes, the maximum allowable loan amount is $996,550, and for 4-unit properties, it can reach up to $1,238,500.
In evaluating conventional loans, the maximum borrowing capacity is determined as follows: $726,200 for a single-family residence. For homes containing 2-units, the limit is $929,850. For those considering 3-unit dwellings, loans are capped at $1,123,900. Lastly, for 4-unit structures, the borrowing limit extends to $1,396,800.
To explore the best possible FHA loan rates available today, make use of our comprehensive FHA calculator. It enables you to evaluate several key elements needed for qualification, including downpayment requirements, income level benchmarks, credit standing, reserves, and necessary documentation that potential borrowers need to prepare.
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The Lendersa® calculator presents an invaluable tool for comparing both FHA loan rates and terms alongside other diverse loan programs. This includes options such as Conventional loans, expansive Jumbo loans, specific VA loans for veterans, USDA loans supporting rural development, Non-QM loans for special circumstances, and hard money loans for unique financial situations, all against FHA options.
By gathering detailed loan information from thousands of lenders, Lendersa® ensures a fast and efficient comparison against your individual financial profile and borrower needs.
For 2026 in Indio, county of Riverside, CA, consult the Loan Limits Comparison Table. This resource allows you to contrast maximum loan amounts available for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. Using the advanced features of the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is recommended to delve deeper into qualifications such as income requirements, reserve needs, and credit evaluations.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $644,000 | $824,450 | $996,550 | $1,238,500 |
| 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 | $460,000 | $460,000 | $460,000 | $460,000 |
| 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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