In 2026, FHA loan limits in Live-Oak county, Santa Cruz, CA, are $822,375 for single-family homes, $1,053,000 for two-unit properties, $1,272,750 for three-unit buildings, and $1,581,750 for four-unit residences.
For conventional loans, the maximum loan amounts are set at $822,375 for a single-family home, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
Utilize our FHA calculator to discover today’s best FHA rates and determine the required downpayment, income, credit score, reserves, and essential documents needed for qualification.
The Lendersa® calculator gives you the ability to compare the rate and terms of FHA loans with those available through other programs. Explore a variety of options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, in relation to FHA offerings.
Lendersa® swiftly aggregates loan data from thousands of lenders, ensuring a comprehensive comparison tailored to your unique financial profile and needs.
Provided for 2026 in Live-Oak county, Santa Cruz, CA, this Loan Limits Comparison Table contrasts maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification requirements, such as income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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