In 2026, FHA loan limits in Rancho-Cordova county of Sacramento, CA, are $598,000 for a single-family home, $765,550 for two units, $925,350 for three units, and $1,150,000 for four units.
The maximum amount for conventional loans on a single-family residence is $598,000, with $765,550 for two units, $925,350 for three units, and $1,150,000 for four units.
Use our FHA calculator to discover today’s best FHA rates and determine the necessary down payment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs. Consider options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® collects data from thousands of lenders to quickly match it against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Rancho-Cordova, Sacramento, CA, shows maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification criteria such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $598,000 | $765,550 | $925,350 | $1,150,000 |
| USDA | $478,400 | $478,400 | $478,400 | $478,400 |
| VA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| 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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