In 2026, the FHA loan limit for Palm-Desert county, located in Riverside, CA, stands at $477,250 for single-family homes. For two-unit properties, it's $610,950, while three-unit homes have a ceiling of $738,500, and four-unit buildings at $917,800.
For conventional loans, the highest loan amount for a single-family home is $548,250. Two-unit residences have a max of $702,000, followed by $848,500 for three-unit properties, and $1,054,500 for four units.
Check the day’s FHA rates and calculate the necessary downpayment, income, credit, and qualifications using our FHA calculator.
The Lendersa® calculator is great for comparing FHA loan terms alongside other products, like Conventional loans, Jumbo loans, VA, USDA, Non-Qm, and hard money loans.
Lendersa® gathers information from numerous lenders to quickly align the best options with your financial needs and profile.
The Loan Limits Comparison Table of 2026 in Palm-Desert, within Riverside, CA, shows how FHA limits measure up against Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts.
Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to carefully compare income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $477,250 | $610,950 | $738,500 | $917,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $381,800 | $381,800 | $381,800 | $381,800 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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