In 2026, for Sacramento, Sacramento, CA, FHA loan limits are as follows: $763,600 for one-family homes, $977,550 for 2-units, $1,181,650 for 3-units, and $1,468,500 for 4-units.
Conventional loan maximums for a single-family home are $763,600, for 2-units $977,550, for 3-units $1,181,650, and for 4-units $1,468,500.
Use our FHA calculator to explore today’s best rates and understand downpayment, income, credit, reserves, and documentation needed to qualify.
With Lendersa®, compare FHA rates and terms alongside other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers loan data from thousands of lenders, providing a quick comparison based on your financial profile.
The Loan Limits Table for 2026 in Sacramento, Sacramento, CA provides comparisons for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for comparing requirements related to income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| USDA | $540,000 | $540,000 | $540,000 | $540,000 |
| VA | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| 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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