In 2026, the FHA loan limits in Palo-Alto county, Santa Clara, CA, are $822,375 for a single-family home, $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for 4-units.
The maximum loan amounts for conventional loans on a single-family residence are $822,375. For 2-units, the cap is $1,053,000, for 3-units it's $1,272,750, and for 4-units, it's $1,581,750.
Use our FHA calculator to find today’s top FHA rates. Determine downpayment, income, credit needs, reserves, and documents required for qualification.
The Lendersa® calculator allows comparison of FHA rates and terms with other loan programs' rates and terms, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects loan data from thousands of lenders and quickly matches it to your unique financial profile and needs.
This year's Loan Limits Comparison Table for 2026 in Palo-Alto county, Santa Clara, CA offers insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending. To evaluate requirements like income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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