In 2026, the FHA loan cap in San-Martin, Santa Clara county, CA is structured as follows: $822,375 for single-family homes; $1,053,000 for two units; $1,272,750 for three units; and $1,581,750 for four units.
For conventional loans, the ceiling for a single-family home is $822,375. Two-unit properties have a limit of $1,053,000, three units are limited to $1,272,750, and four-unit buildings reach $1,581,750.
Try our FHA calculator today to check current FHA rates and find out downpayment, credit, income, reserves, and documents needed for qualification.
Lendersa® helps compare FHA rates with other loan program rates, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® accesses thousands of lenders to compare eligibility against your financial profile in seconds.
Use the Loan Limits Comparison for 2026 in San-Martin, Santa Clara, CA to compare loan amounts for FHA, Conventional, Jumbo, USDA, and hard money loans. Evaluate requirements with 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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