In 2026, FHA loan limits in Pleasure-Point, located in Santa Cruz county, CA, are as follows: $822,375 for a single-family home, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
For conventional loans, the maximum amounts are $822,375 for a single-family residence, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
Use our FHA calculator to explore today's best FHA rates and find out the necessary downpayment, income, credit standing, reserves, and documents required to qualify.
The Lendersa® calculator enables comparison of FHA rates and terms with those of other loan programs. You can evaluate FHA alongside Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers extensive loan data from thousands of lenders, allowing quick comparisons aligned with your financial profile and needs.
Compare maximum loan amounts in the Loan Limits Comparison Table for 2026 in Pleasure-Point, Santa Cruz, CA, across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluate qualification conditions like income, reserves, and credit with the 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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