For 2026, the FHA loan limits in Phelan county of San Bernardino, CA are as follows: $1,089,300 for a single-family home, $1,394,775 for properties with 2 units, $1,685,850 for 3-unit dwellings, and $2,095,200 for 4-unit buildings.
When it comes to conventional loans, the maximum amounts are set at $1,089,300 for a single-family home, $1,394,775 for two-unit homes, $1,685,850 for three-unit residences, and $2,095,200 for four-unit properties.
Our FHA calculator is designed to help you find the best FHA rates today. Use it to determine the necessary downpayment, income, credit, reserves, and documentation required for qualification purposes.
The Lendersa® calculator allows you to compare FHA rates and terms with those of a variety of other loan programs. Investigate and assess options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA choices.
Lendersa® aggregates loan data from a wide range of lenders, swiftly integrating it with your personalized financial profile.
Refer to the Loan Limits Comparison Table for 2026 in Phelan county of San Bernardino, CA, which allows you to view and compare the maximum allowable loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification criteria such as income, reserves, and credit, engage 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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