In 2026, the FHA loan limits for Rancho-Mirage county in Riverside, CA are set at $477,250 for a single-family house, $610,950 for a two-unit property, $738,500 for three-unit residences, and $917,800 for buildings with four units.
The maximum amounts for conventional loans are $548,250 for a single-family residence, $702,000 for two-unit homes, $848,500 for three-units, and $1,054,500 for properties with four units.
Utilize our FHA calculator to discover today’s optimal FHA rates and figure out the needed downpayment, income requirements, credit standing, reserves, and documents for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with those of other loans. Consider options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® accumulates loan program data from thousands of lenders, rapidly matching it with your unique financial profile and needs.
Refer to the Loan Limits Comparison Table for 2026 in Rancho-Mirage county of Riverside, CA, which contrasts max loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For detailed qualification comparisons including income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $477,250 | $610,950 | $738,500 | $917,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $381,800 | $381,800 | $381,800 | $381,800 |
| 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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