In the year 2026, the FHA loan limits for Santa-Clara county within Santa Clara, CA are set at $822,375 for single-family homes, $1,053,000 for duplexes, $1,272,750 for triplexes, and $1,581,750 for fourplexes.
Conventional loan limits, meanwhile, allow a maximum of $822,375 for a single-family home, $1,053,000 for two-family homes, $1,272,750 for three-family homes, and $1,581,750 for four-family properties.
You can use our FHA calculator to find the best available FHA rates today. This tool also aids in determining the down payment, required income, credit score, reserves, and necessary documentation for qualification.
The Lendersa® calculator provides a comparative analysis of FHA rates and terms alongside various other loan programs. You can evaluate and contrast options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Leveraging data from thousands of lenders, Lendersa® compares loan program offerings swiftly against your distinct financial profile and specific requirements.
Refer to the Loan Limits Comparison Table for 2026 in Santa-Clara county of Santa Clara, CA to compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. For qualification requirements like income, reserves, and credit details, try 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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