For 2026, the FHA loan limits in Interlaken county of Santa Cruz, CA are: - $805,000 for a single-family dwelling, - $1,030,550 for 2-unit homes, - $1,245,700 for 3-unit properties, - $1,548,100 for residences with 4 units.
As for conventional loans, the upper limits are: - $805,000 for single-family homes, - $1,030,550 for 2-units, - $1,245,700 for 3-units, - $1,548,100 for 4-unit houses.
Use our FHA calculator to find today’s top FHA rates and assess the downpayment, income, credit score, reserves, and necessary documents for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms with other loan program options. Explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® collects loan data from thousands of lenders, quickly evaluating it against your personal financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Interlaken county of Santa Cruz, CA shows maximum loan amounts for 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 compare qualification needs like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| USDA | $626,500 | $626,500 | $626,500 | $626,500 |
| VA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| 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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