During 2026, in the county of Ventura located in Oxnard, CA, the FHA loan limit is structured as follows: $948,750 for a single-family home, $1,214,600 for homes with 2 units, $1,468,150 for properties with 3 units, and $1,824,550 for 4-unit residences.
In comparison, for conventional loans, the maximum borrowing amounts are $948,750 for a single-family residence, followed by $1,214,600 for 2-units, rising to $1,468,150 for 3-units, and peaking at $1,824,550 for 4-unit structures.
Our FHA calculator offers you insight into today’s best FHA loan rates while helping to determine crucial qualification components, including the required downpayment, necessary income level, credit standings, reserves, and documents essential to qualify.
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Using the Lendersa® calculator, you can compare FHA rates and terms against other available loan options effortlessly. Explore opportunities among Conventional loans, Jumbo loans, specialized VA loans, USDA for rural regions, Non-QM, and hard money loan options, along with FHA.
Lendersa® accurately collects extensive loan program data from a large selection of lenders and performs a swift comparison against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 available in Oxnard, within Ventura, CA provides comparisons across FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To analyze qualification requirements such as income, financial reserves, and credit, utilize the advanced features of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $948,750 | $1,214,600 | $1,468,150 | $1,824,550 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $948,750 | $1,214,600 | $1,468,150 | $1,824,550 |
| USDA | $680,800 | $680,800 | $680,800 | $680,800 |
| VA | $948,750 | $1,214,600 | $1,468,150 | $1,824,550 |
| 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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