In 2026, the FHA loan limits in Napa county of Napa, CA, are $1,017,750 for single-family homes, $1,302,900 for 2-unit properties, $1,574,900 for 3-unit residences, and $1,957,250 for 4-unit buildings.
The maximum loan amounts for conventional loans on a single-family house are $1,017,750, for 2-unit homes it's $1,302,900, for 3-unit properties $1,574,900, and for 4-unit setups, it is $1,957,250.
Use our FHA calculator to find today’s best FHA rates and determine needed downpayment, income, credit, reserves, and documents to qualify.
The Lendersa® calculator enables comparison of FHA rates and terms with those of other loan programs. Investigate options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Sourcing data from thousands of lenders, Lendersa® swiftly aligns this with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Napa, Napa, CA, highlights maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification criteria like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| USDA | $717,600 | $717,600 | $717,600 | $717,600 |
| VA | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| 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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