In 2026, the FHA loan limits for properties in Oak-View county, located within Ventura, CA, are specified as follows: single-family homes have a cap of $739,450. For properties with two units, the limit increases to $946,650, for three-unit residences, it's $1,144,250, and for those with four units, the limit is $1,422,050.
Regarding conventional loans, the maximum loan amount for a single-family residence is $739,450. For homes with two units, the limit is $946,650, while three-unit properties can secure up to $1,144,250. For four-unit homes, the cap is $1,422,050.
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The Lendersa® calculator is designed to allow you to compare FHA rates and terms against various other loan programs. Consider options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA, to find the best fit for your financial plan.
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The Loan Limits Comparison Table for 2026 in Oak-View county, part of Ventura, CA, is essential for evaluating maximum loan amounts across different types of loans, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly compare qualification requirements such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to gain detailed insights.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| USDA | $591,500 | $591,500 | $591,500 | $591,500 |
| VA | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| 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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