In 2026, the FHA loan limits in Lafayette, within Contra Costa county of CA, are set at $1,089,300 for a single-family dwelling, $1,394,775 for two-unit homes, $1,685,850 for properties with three units, and $2,095,200 for four-unit structures.
The maximum for a conventional loan on a single-family residence is $1,089,300; for two units, it's $1,394,775; for three units, the limit is $1,685,850; and for four units, it goes up to $2,095,200.
Our FHA calculator can help you identify the best FHA rates available today, while also providing the necessary down payment, income, credit score, reserves, and documentation requirements for eligibility.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Explore various options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles loan program data from a multitude of lenders, quickly matching it to your unique financial situation and needs.
The Loan Limits Comparison Table for 2026 in Lafayette, located in Contra Costa county, CA, facilitates the comparison of the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending. To evaluate qualification criteria such as income, reserves, and credit, use the Lendersa® 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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