In 2026, the FHA loan limit for Santa-Maria county in Santa Barbara, CA is $660,100 for a single-family home. For 2-units, it is $845,050; for 3-units, $1,021,450; and for 4-units, $1,269,450.
The maximum loan amounts for conventional loans on single-family homes are $660,100. For 2-units, it's $845,050; for 3-units, $1,021,450; and for 4-units, $1,269,450.
Navigate today’s best FHA rates using our calculator, which also helps evaluate downpayment, income, credit, reserves, and necessary qualification documents.
The Lendersa® calculator allows you to compare FHA rates and terms alongside a broad spectrum of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, integrating a full range of options with FHA.
Lendersa® aggregates extensive loan program data from thousands of lenders, offering rapid comparisons tailored to your financial profile in seconds.
For 2026, examine the Loan Limits Comparison Table for Santa-Maria county, Santa Barbara, CA. It provides a detailed comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For assessing qualification criteria such as income, reserves, and credit, leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| USDA | $528,000 | $528,000 | $528,000 | $528,000 |
| VA | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| 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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