During 2026, the FHA loan limits in Kelseyville, found in Lake county, CA, are set at $472,030 for a single-family home. For 2-unit properties, the limit is $604,400; for 3-units, it is $730,525; and for 4-units, it reaches $907,900.
The maximum loan amount for conventional loans regarding a single-family residence is $726,200. It extends to $929,850 for two-unit homes, $1,123,900 for those with 3-units, and $1,396,800 for structures with 4-units.
Utilize our FHA calculator to view today's premier FHA rates and determine the necessary downpayment, income, credit, reserves, and all documentation needed for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with those of other loan programs. Examine FHA alongside options like Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® aggregates loan program data from thousands of lenders, aligning it with your financial profile and needs almost instantly.
The Loan Limits Comparison Table for 2026 in Lake, CA presents comparisons across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loan amounts. To assess qualification requirements such as income, reserves, and credit, use 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 | $400,000 | $400,000 | $400,000 | $400,000 |
| 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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