In 2026, the FHA loan limit for Mission-Hills in Santa Barbara county, CA is $660,100 for a single-family house, $845,050 for two-unit residences, $1,021,450 for three-unit homes, and $1,269,450 for four units.
The maximum conventional loan amount for a single-family property is $660,100, with limits of $845,050 for 2-units, $1,021,450 for 3-units, and $1,269,450 for 4-units.
Utilize our FHA calculator to discover today’s top FHA rates and determine the necessary downpayment, income, credit, reserves, and required documents for qualification.
The Lendersa® calculator allows comparison of FHA rates and terms with those from other loan types. Examine FHA against Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Gathering data from thousands of lenders, Lendersa® evaluates it against your specific financial situation in seconds.
The Loan Limits Comparison Table for 2026 in Santa Barbara, CA enables you to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. For qualifications like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| USDA | $528,000 | $528,000 | $528,000 | $528,000 |
| VA | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| 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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