For 2026, the FHA loan ceiling in Ridgemark county, San Benito, CA, is set at $1,089,300 for a single-family home. For 2-units, it reaches $1,394,775; for 3-units, it's $1,685,850; and for 4-units, the amount is $2,095,200.
The maximum borrowing limit for conventional loans is $1,089,300 for a single-family residence, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
Utilize our FHA calculator to check today’s prime FHA rates and ascertain the required downpayment, income, credit score, reserves, and documentation necessary for qualification.
The Lendersa® calculator allows comparison of FHA rates and terms with those from other loan programs. Examine options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans with FHA rates.
Lendersa® aggregates data from numerous lenders, quickly matching it to your unique financial profile.
For 2026 in Ridgemark county, San Benito, CA, the Loan Limits Comparison Table helps compare maximums for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification needs like income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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