In 2026, FHA loan limits for Morgan-Hill county in Santa Clara, CA, are $822,375 for a single-family home. They increase to $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
The maximum loan amount allowed for conventional loans on a single-family house is $822,375. For two-unit homes, the limit is $1,053,000; for three units it's $1,272,750, and for four units, it reaches $1,581,750.
Use our FHA calculator to see today’s top FHA rates and to determine the required downpayment, income, credit score, reserves, and documentation to qualify.
The Lendersa® calculator can help you compare FHA rates and terms with other loan programs, including Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans. This extensive comparison aids in finding the best financial solution for your needs.
Lendersa® retrieves loan program data from thousands of lenders and quickly aligns it with your financial profile for personalized matching.
The Loan Limits Comparison Table for 2026 in Morgan-Hill county of Santa Clara, CA offers an insightful view into maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money products. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) for comparing requirements like 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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