As of 2026, the FHA loan limit in Los-Gatos of Santa Clara, CA, is $822,375 for a single-family home. For two-unit properties, it's $1,053,000, three-unit residences have a limit of $1,272,750, and four-unit houses are capped at $1,581,750.
Conversely, the maximum allowable amount for conventional loans on a single-family dwelling is $822,375. For dual units, the limit is $1,053,000; for three units, it's $1,272,750; and for four-unit homes, the cap is $1,581,750.
To determine the current FHA best rates and calculate necessary downpayment, income, credit, reserves, and documentation for eligibility, use our FHA calculator.
With the Lendersa® calculator, you can compare the terms and rates of FHA loans against other available loan products. Investigate choices like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® accesses extensive data from thousands of lenders, promptly comparing it with your individual financial profile and circumstances.
For 2026, the Loan Limits Comparison Table in Los-Gatos, within Santa Clara, CA, lets you evaluate the maximum amounts available for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare detailed qualification criteria 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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