For 2026, FHA loan limits in Lucerne county, CA, are $472,030 for a single-family home, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
The maximum amount for conventional loans on a single-family residence is $726,200. It increases to $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Use our FHA calculator to view today’s competitive FHA rates and determine the needed downpayment, income, credit, reserves, and documents for qualification.
With the Lendersa® calculator, compare FHA rates and terms with those of other loan programs. Consider Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® rapidly collects loan program data from thousands of lenders, efficiently evaluating it against your financial profile.
For 2026 in Lucerne county, Lake, CA, the Loan Limits Comparison Table offers a view of maximum FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. For qualifications like income, reserves, and credit, utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $400,000 | $400,000 | $400,000 | $400,000 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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