In the year 2026, FHA loan limits for the county of San Bernardino, situated in San-Bernardino, CA, are as detailed: $477,250 for a single-family home, $610,950 for residences with 2-units, $738,500 for 3-units, and $917,800 for properties with 4-units.
The maximum loan amount for conventional loans is capped at $548,250 for a single-family home, $702,000 for 2-units, extending to $848,500 for 3-units, and up to $1,054,500 for 4-units.
Utilize our FHA calculator to uncover today’s best FHA rates and assess essential requirements like downpayment, income levels, credit criteria, reserves, and necessary documentation for qualification.
With the Lendersa® calculator, you have the option to compare FHA rates and terms against a variety of other loan programs including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This tool enables a thorough exploration of your options alongside FHA offerings.
Lendersa® rapidly synthesizes loan program data collected from thousands of lenders, facilitating an expedited comparison process tailored to align with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in San-Bernardino, within San Bernardino, CA, offers a comprehensive analysis of maximum loan amounts for diverse options, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further evaluate income, reserves, credit requirements, and more, employ 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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