For 2025, the FHA loan limits in Montecito county, Santa Barbara, CA are structured as: - $805,000 for a single-family home, - $1,030,550 for 2-units, - $1,245,700 for residences with 3-units, - $1,548,100 for 4-unit properties.
As for conventional loans, the maximum permissible amounts are: - $805,000 for a single-family home, - $1,030,550 for 2-unit houses, - $1,245,700 for 3-unit buildings, - $1,548,100 for 4-units.
Use our FHA calculator to discover today’s top FHA rates and establish requirements such as downpayment, income, credit scores, reserves, and documents needed for eligibility.
Lendersa® calculator enables you to compare FHA rates and terms with all other loan programs. Explore and evaluate FHA, Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
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The Loan Limits Comparison Table for 2025 in Montecito county of Santa Barbara, CA shows maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For analyzing qualification standards like income, reserves, and credit, use 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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