In 2026, the FHA loan limits established for properties situated in Portola-Valley county, within San Mateo, CA, are as follows: for a single-family home, the limit is $822,375. Duplex properties can secure loans up to $1,053,000, three-unit residences have a cap of $1,272,750, and four-unit properties are permitted up to $1,581,750.
The maximum amounts for conventional loans are defined as: $822,375 for single-family homes, $1,053,000 for houses with two units, $1,272,750 for triplex structures, and $1,581,750 for residences that include four units.
Utilize our FHA calculator to discover today’s leading FHA rates and to assess necessary requirements such as downpayment, income criteria, credit ratings, reserves, and essential documentation for qualification.
The robust Lendersa® calculator enables you to conduct comparisons between FHA loan rates and terms alongside those from multiple other loan programs. Consider options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, to secure the best match for your finances.
Lendersa® sources extensive data from thousands of lenders, quickly aligning options with your specific financial profile for rapid and tailored assessments.
The Loan Limits Comparison Table for 2026 in Portola-Valley county, part of San Mateo, CA, offers deep insights into the maximum amounts available across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to investigate and compare qualification aspects like income, reserves, and credit needs for comprehensive decision-making.
| 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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