In 2026, the FHA loan limit for properties in Phoenix-Lake county, within Tuolumne, CA, is assigned as follows: $356,362 for a single-family home, $456,275 for a duplex, $551,500 for trips, and $685,400 for four-unit structures.
The maximum amount you can borrow through conventional loans on a single-family home is $548,250. For duplexes, the limit is $702,000, while for structures holding three units, it's $848,500. In the case of four-unit properties, the cap is $1,054,500.
Engage our FHA calculator today to access the most competitive FHA rates available, allowing you to determine the necessary down payment, income requirements, credit score, reserves, and documents needed for qualification.
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The comprehensive Lendersa® calculator permits you to evaluate FHA rate and term specifications against those from a wide range of other loan programs. Delve into varied opportunities such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, investigating them alongside FHA options to ascertain the ideal match for your financial strategy.
Lendersa® effectively aggregates data from numerous lenders and matches it with your unique financial profile, enabling quick and tailored comparative analysis.
The Loan Limits Comparison Table for 2026 situated in Phoenix-Lake county, part of Tuolumne, CA, is instrumental for scrutinizing maximum loan amounts, which include FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money variants. For deeper insights into various qualification requirements such as income, reserves, and credit standards, rely on the Lendersa® Super Loan Integrated Qualifier (SLIQ™), a valuable tool for making well-informed financial decisions.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $304,100 | $304,100 | $304,100 | $304,100 |
| 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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