In 2026, the FHA loan limit in Millbrae within the county of San Mateo, CA stands at $1,089,300 for a single-family home, $1,394,775 for properties with two units, $1,685,850 for three-unit homes, and $2,095,200 for residences with four units.
The maximum loan amount for conventional loans on single-family homes reaches $1,089,300; it rises to $1,394,775 for homes with two units, $1,685,850 for three units, and $2,095,200 for four-unit properties.
Use our FHA calculator to uncover today's best FHA rates, determine the downpayment, income prerequisites, credit score, reserves, and the necessary documents required for qualification.
The Lendersa® calculator allows for comparison between FHA rates and terms and those of different loan programs. Assess options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® collects comprehensive loan data from a variety of lenders and efficiently contrasts it with your financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Millbrae county of San Mateo, CA, facilitates comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To scrutinize qualification criteria including income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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