For 2026, FHA loan limits in North-Highlands county within Sacramento, CA, are set at $598,000 for a single-family home. The amount adjusts to $765,550 for two units, $925,350 for three units, and $1,150,000 for four-unit properties.
The max amount for conventional loans on a single-family home is $598,000. For two-unit homes, it rises to $765,550, for three units it reaches $925,350, and for four units, it expands to $1,150,000.
Use our FHA calculator to explore today's leading FHA rates and understand the downpayment, income, credit, reserves, and documentation needed to qualify.
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The Lendersa® calculator allows comparison of FHA rates and terms with those of various other loans such as Conventional, Jumbo, VA, USDA, Non-Qm, and hard money. This diversity provides an ample range of options to suit different financial needs.
By collecting extensive loan data from numerous lenders, Lendersa® quickly aligns this information with your specific financial profile, offering personalized loan match-ups.
The Comprehensive Loan Limits Comparison Table for 2026 in North-Highlands county, found in Sacramento, CA, offers a comparative analysis of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification criteria including income, reserves, and credit scores, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $598,000 | $765,550 | $925,350 | $1,150,000 |
| USDA | $478,400 | $478,400 | $478,400 | $478,400 |
| VA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| 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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