For 2026, FHA loan limits in Moss-Beach, within San Mateo county, CA, are $822,375 for a single-family home. For 2-unit properties, the limit is $1,053,000, for 3-units it's $1,272,750, and for 4-unit buildings, it's $1,581,750.
The highest conventional loan amount for a single-family residence is $822,375. For two-unit homes, $1,053,000, for three-unit properties, $1,272,750, and for four-unit residences, $1,581,750.
Use our FHA calculator to see today's best FHA rates, and understand the downpayment, income, credit, reserves, and documents that are needed to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with other loan types. Delve into FHA options alongside Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® swiftly collects loan program data from thousands of lenders, matching it to your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in San Mateo, CA enables you to compare maximum allowable loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To review qualification requirements such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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