In 2026, the FHA loan limits set for Joshua-Tree county of San Bernardino, CA are: - $477,250 for a single-family home, - $610,950 for homes with 2 units, - $738,500 for properties with 3 units, - $917,800 for 4-unit residences.
The highest loan amounts for conventional loans on single-family homes are: - $548,250, - $702,000 for 2-units, - $848,500 for 3-units, - $1,054,500 for 4-units.
Use our FHA calculator to discover today’s best FHA rates, and determine requirements for downpayment, income, credit, reserves, and documents needed for qualification.
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The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Consider options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® aggregates loan program data from thousands of lenders, providing swift comparisons tailored to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Joshua-Tree county of San Bernardino, CA features maximum loan amounts across categories including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification requirements such as income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $477,250 | $610,950 | $738,500 | $917,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $381,800 | $381,800 | $381,800 | $381,800 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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