As of 2026, in Isla-Vista, located in the county of Santa Barbara, CA, the FHA loan thresholds are set at $660,100 for a single-family home, $845,050 for dual-unit properties, $1,021,450 for tri-unit homes, and $1,269,450 for four-unit residences.
Regarding conventional loans, the maximum amounts for a single-family dwelling are $660,100. For two units, the limit is $845,050, for three units $1,021,450, and for a four-unit residence $1,269,450.
To find out the most advantageous FHA interest rates available today, determine the required down payment, income qualifications, credit standing, reserves, and the necessary documentation, use our FHA calculation tool.
With Lendersa®, our calculator allows for a direct comparison of FHA rates and terms with those of other loan programs. This includes Conventional, Jumbo, VA, USDA, Non-QM loans, and also hard money loans, effectively comparing them against FHA.
Lendersa® efficiently retrieves data from a vast number of lending institutions, quickly assessing and aligning loan programs with your distinct financial profile and needs.
Refer to the Loan Limits Comparison Table for 2026 within Isla-Vista, in the county of Santa Barbara, CA, to weigh maximum loan values for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a thorough comparison of qualification criteria such as income, reserves, and credit requirements, leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| USDA | $528,000 | $528,000 | $528,000 | $528,000 |
| VA | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| 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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