In 2026, the FHA loan limit in Oakland, Alameda, CA is as follows: $1,089,300 for a single-family home, $1,394,775 for 2-units, $1,685,850 for 3-units, and $2,095,200 for properties with 4-units.
The maximum loan amounts for conventional loans on a single-family residence are $1,089,300, increasing to $1,394,775 for 2-units, $1,685,850 for 3-units, and $2,095,200 for 4-units.
Utilize our FHA calculator to determine today’s best FHA rates and identify downpayment, income, credit, reserves, and required documents needed for qualification.
The Lendersa® calculator enables comparisons between FHA rate & terms and other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® accesses extensive loan data from thousands of lenders, rapidly matching it to your financial profile and needs.
The Loan Limits Comparison Table for 2026 within Oakland, Alameda, CA provides a comprehensive overview, comparing maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess complete qualification requirements such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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