In 2026, the FHA loan limit for a single-family home in Rio-del-Mar county of Santa Cruz, CA is set at $822,375. For 2-unit properties, it is $1,053,000, for 3-unit properties $1,272,750, and for 4-unit residences it is $1,581,750.
The highest permissible loan amount for conventional loans on a single-family home is $822,375. This limit increases to $1,053,000 for 2-unit homes, $1,272,750 for 3-unit homes, and $1,581,750 for 4-units.
Utilize our FHA calculator to find out the most competitive FHA rates available today. With it, assess the required down payment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator offers you the opportunity to compare FHA rates and terms alongside those of other loan programs. Dive into and contrast the specifics of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with the FHA.
Lendersa® aggregates loan program data from a wide network of lenders. Within moments, it evaluates this data against your distinct financial situation and preferences.
The Loan Limits Comparison Table for 2026 in Rio-del-Mar county of Santa Cruz, CA allows you to view and compare maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgages (HECM), and hard money loans. To analyze eligibility criteria like income, reserves, and credit scores, make use of 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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