During 2026, the FHA loan limit for Ontario county of San Bernardino, CA is $1,089,300 for a single-family home. For properties with two units, it's $1,394,775; for three units, the limit is $1,685,850, and for buildings with four units, it's $2,095,200.
The conventional loan limits are $1,089,300 for single-family homes, $1,394,775 for two-unit homes, $1,685,850 for three-unit homes, and $2,095,200 for four-unit properties.
Try our FHA calculator for the best current rates and to assess downpayment, income, credit, reserves, and necessary qualification documents.
The Lendersa® calculator lets you match FHA loan rates and terms with multiple other program options. Investigate conventional loans, jumbo loans, VA, USDA, Non-QM, and hard money loans, comparing each with FHA offerings.
By accessing data from thousands of lenders, Lendersa® quickly aligns it with your financial profile to provide optimized comparisons.
In 2026, consult the Loan Limits Comparison Table for Ontario county of San Bernardino, CA to compare maximum limits across FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To assess qualification criteria like income, credit, and reserves, 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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