For 2026, within North-Fair-Oaks county of San Mateo, CA, FHA loan limits reach $822,375 for a single-family home, $1,053,000 for residences with 2-units, $1,272,750 for 3-units, and $1,581,750 for properties with 4-units.
In terms of conventional loans, the maximum limits are $822,375 for a single-family dwelling, $1,053,000 for two-unit homes, $1,272,750 for homes with three units, and $1,581,750 for four-unit buildings.
Our FHA calculator is a useful tool to discover today’s top FHA rates, and it helps assess downpayment needs, income, credit, reserves, and the documents required to qualify.
Using the Lendersa® calculator, you can compare the rates and terms between FHA loans and other available programs. Investigate options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans accompanying FHA.
Lendersa® consolidates data from thousands of lenders to quickly provide comparisons aligned with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in North-Fair-Oaks county of San Mateo, CA allows you to consider maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluate qualification requirements such as income, reserves, and credit with 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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