In 2026, FHA loan limits for Morongo-Valley within San Bernardino, CA, are $477,250 for a single-family home, $610,950 for two-unit residences, $738,500 for three-unit properties, and $917,800 for four units.
For conventional loans, the maximum on a single-family residence is $548,250. For homes with 2 units, it's $702,000, for 3 units, $848,500, and for 4 units, $1,054,500.
Use our FHA calculator to check today’s leading FHA rates and establish the downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator allows comparison of FHA rates and terms with those of other loans. Consider FHA alongside Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® aggregates extensive loan program data from thousands of lenders, swiftly aligning it with your specific financial profile and needs.
For 2026, the Loan Limits Comparison Table in San Bernardino, CA, presents maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. To assess qualifications such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $477,250 | $610,950 | $738,500 | $917,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $381,800 | $381,800 | $381,800 | $381,800 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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