During the year 2026, FHA loan ceilings in Moraga county, Contra Costa, CA are set at $1,089,300 for individual single-family homes. For properties with 2-units, the limit is $1,394,775; for those with 3 units, it goes up to $1,685,850, and for 4-unit dwellings, it is $2,095,200.
Regarding conventional loans, the highest loanable amount on a single-family home is $1,089,300. This increases to $1,394,775 for two-unit homes, $1,685,850 for three units, and $2,095,200 for four units.
Make use of our FHA calculator to uncover the top FHA rates today, and find out what's required in terms of down payment, income, credit standing, reserves, and documentation for eligibility.
With the Lendersa® calculator, you have the ability to compare the rates and terms of FHA loans with other available loan programs. Examine and compare offerings, including conventional loans, jumbo loans, VA, USDA, Non-QM, and hard money loans, against FHA options.
Lendersa® consolidates loan program data from a wide array of lenders and swiftly evaluates it in relation to your own financial circumstances and requirements.
This comprehensive Loan Limits Comparison Table for 2026 in Moraga county, Contra Costa, CA, allows you to assess the maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To gauge qualifying criteria such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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