In 2026, the FHA loan limits in Lucerne-Valley county, San Bernardino, CA, are $477,250 for a single-family home. The limit is $610,950 for two units, $738,500 for three units, and $917,800 for four units.
Conventional loans reach a maximum of $548,250 for a single-family residence. Two-unit homes are capped at $702,000, three-unit properties at $848,500, and four-unit complexes at $1,054,500.
Use our FHA calculator to check today's best FHA rates. Determine your required downpayment, income level, credit criteria, reserves, and documentation for qualification.
The Lendersa® calculator provides a comparison of FHA rates and terms with other loan programs. Investigate options across Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA choices.
Lendersa® retrieves a vast array of data from thousands of lenders, offering instant comparisons suited to your financial needs and profile.
Check the Loan Limits Comparison Table for 2026 in Lucerne-Valley, San Bernardino county, CA to evaluate loan caps for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money programs. Examine qualification necessities including income, reserves, and credit using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $477,250 | $610,950 | $738,500 | $917,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $381,800 | $381,800 | $381,800 | $381,800 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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