In 2026, FHA loan limits in Monte-Sereno, county of Santa Clara, CA, are set at $822,375 for single-family homes, $1,053,000 for properties with 2 units, $1,272,750 for 3 units, and $1,581,750 for 4-unit buildings.
The maximum amount for conventional loans on a single-family residence is $822,375, changing to $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for 4-units.
Use our FHA calculator to explore today’s best FHA rates and determine required downpayment, income, credit, reserves, and necessary documents for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms with other loan programs. Consider FHA alongside Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® compiles loan program data from thousands of lenders, comparing it to your financial profile and needs efficiently.
For 2026, view the Loan Limits Comparison Table in Santa Clara, CA, which compares maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualifications such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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