In 2026, the FHA loan limit in Los-Altos, Santa Clara, CA, is $822,375 for a single-family home. For two units, the cap is $1,053,000; for three units, it's $1,272,750; and for four units, $1,581,750.
Maximum conventional loan amounts are $822,375 for a single-family home, $1,053,000 for two-unit homes, $1,272,750 for three-unit homes, and $1,581,750 for homes with four units.
Our FHA calculator can show you today's best FHA rates, letting you calculate the required downpayment, income, credit score, reserves, and documentation for qualification.
The Lendersa® calculator compares FHA rates and terms against other loans. Look at Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans together with FHA.
Lendersa® swiftly checks lender data against your unique financial details.
Loan Limits Comparison for 2026 in Los-Altos, Santa Clara, CA helps compare FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® to assess income, reserves, and credit requirements with its 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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