For 2026, in Orcutt located in Santa Barbara, CA, the FHA loan limits are set at $805,000 for a single-family home, $1,030,550 for two units, $1,245,700 for three units, and $1,548,100 for four units.
Meanwhile, the highest loan figures allowed for conventional loans are $805,000 for a single-family residence, extending to $1,030,550 for dual units, $1,245,700 for three-unit houses, and finally, $1,548,100 for quadruple units.
By utilizing our FHA calculator, you can find today's top FHA rates and calculate your needed documents, downpayment, income, credit requirements, and reserves essential for qualification.
With the Lendersa® calculator, you can weigh FHA rates and terms against various other loan program rates. Discover and assess options like Conventional loans, Jumbo packages, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Access Lendersa®, tapping into a vast pool of loan data from thousands of lenders to instantly align with your specific financial scenario.
The Loan Limits Comparison Table for 2026 in Orcutt, Santa Barbara, CA, allows a comparative view of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to explore qualification details like income, credit, and reserves.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| USDA | $626,500 | $626,500 | $626,500 | $626,500 |
| VA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| 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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