In 2026, the FHA loan limits in Milpitas county of Santa Clara, CA, are established at $805,000 for a single-family home, $1,030,550 for two-unit residences, $1,245,700 for three-unit homes, and $1,548,100 for four-unit buildings.
For conventional loans, the maximum amounts are $805,000 for a single-family residence, $1,030,550 for 2-units, $1,245,700 for 3-units, and $1,548,100 for 4-units.
Utilize our FHA calculator to find today’s leading FHA rates and calculate necessary details like downpayment, income, credit, reserves, and documentation for qualification.
The Lendersa® calculator enables you to compare FHA rates and terms with those from other loan programs. Investigate options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Offering data collated from thousands of lenders, Lendersa® quickly aligns it with your financial profile and requirements in seconds.
The Loan Limits Comparison Table for 2026 in Milpitas, Santa Clara, CA, compares maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For further comparison of qualification factors such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| USDA | $626,500 | $626,500 | $626,500 | $626,500 |
| VA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| 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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