For 2026, FHA loan limits in Montclair county, San Bernardino, CA, are $1,089,300 for single-family homes, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
For conventional loans, maximums are $1,089,300 for single-family homes, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
Use our FHA calculator to find today's best rates and determine the needed downpayment, income, credit, reserves, and documents to qualify.
Lendersa® calculator lets you compare FHA rates and terms with other programs like Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans.
Lendersa® pulls data from many lenders, aligning it with your financial profile for quick comparisons.
Our 2026 Loan Limits Comparison Table for Montclair county, San Bernardino, CA, shows FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgage (HECM) limits. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare income, reserves, and credit qualifications.
| 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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