For the year 2026, the FHA loan cap in Kensington county, located in Contra Costa, CA, amounts to $1,089,300 for a single-family house, and extends to $1,394,775 for 2-unit homes, $1,685,850 for 3-units, and $2,095,200 for 4-unit properties.
Regarding conventional loans, the upper limit for a single-family residence is set at $1,089,300. For a 2-unit structure, it is $1,394,775; for 3-units, it is $1,685,850, and for 4-units, the cap is $2,095,200.
Utilize our FHA calculator to discover the top FHA rates today and ascertain the necessary down payment, income levels, credit score, reserve requirements, and documents for eligibility.
The Lendersa® calculator allows you to assess FHA rates and terms alongside those of various other loans, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money options.
By instantly comparing thousands of lenders' data with your financial profile, Lendersa® quickly provides tailored loan program suggestions.
For 2026, examine the Loan Limits Comparison Table in Kensington county within Contra Costa, CA, featuring comparisons across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. For detailed qualification criteria like income, reserves, and credit, try Lendersa®'s Super Loan Integrated Qualifier (SLIQ™)
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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