In 2026, the FHA loan limit in Redwood-City county of San Mateo, CA, is $822,375 for single-family homes, $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for 4-units.
The highest loan amount for conventional loans on a single-family residence is $822,375, with $1,053,000 for 2-unit homes, $1,272,750 for 3-unit properties, and $1,581,750 for 4-unit structures.
Use our FHA calculator to check today’s leading FHA rates and determine your down payment, income, credit requirements, reserves, and all necessary documents for qualification.
The Lendersa® calculator allows for comparison of FHA rate and terms with those of other loan programs. Evaluate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles data from thousands of lenders, offering rapid comparison against your unique financial needs and profile.
The Loan Limits Comparison Table for 2026 in Redwood-City, San Mateo, CA, reveals maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To assess qualification aspects such as income, reserves, and credit, utilize 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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