In 2026, the FHA loan limits in San-Mateo county of San Mateo, CA, are $822,375 for a single-family home, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
For conventional loans, the maximum amounts are $822,375 for a single-family residence, $1,053,000 for two-unit homes, $1,272,750 for three-unit residences, and $1,581,750 for four-unit buildings.
Utilize our FHA calculator to discover today’s best FHA rates and determine necessary aspects such as down payment, income, credit, reserves, and the required documentation to qualify.
The Lendersa® calculator allows comparison of FHA rates and terms with those of other loan programs. Review and compare options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Gathering data from thousands of lenders, Lendersa® instantly assesses it against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in San-Mateo county of San Mateo, CA provides comparisons of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For detailed comparisons of qualification criteria such as income, reserves, and credit, utilize 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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