In the year 2026, the FHA loan limits for Montebello county, in the area of Los Angeles, CA, are set at $1,089,300 for a single-family home, $1,394,775 for two-unit properties, $1,685,850 for three units, and $2,095,200 for four-unit houses.
For conventional loans, the highest loan cap for a single-family residence is $1,089,300. For two-unit properties, the limit is $1,394,775, $1,685,850 for three-unit homes, and $2,095,200 for four-unit homes.
Calculate today's best FHA rates using our calculator to evaluate down payments, income requirements, credit needs, reserve amounts, and necessary documentation to qualify.
With the Lendersa® calculator, you can weigh FHA rates and conditions against those of other loan types, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
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Reference the 2026 Loan Limits Comparison Table for Montebello county, Los Angeles, CA, which includes FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money funding. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to check the qualification needs for income, reserves, and credit.
| 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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