In the year 2026, the FHA loan limits for Santa-Rosa in the county of Sonoma, CA, are defined as follows: $707,250 for a single-family home, $905,400 for a property with 2-units, $1,094,450 for 3-unit homes, and $1,360,100 for those with 4-units.
For conventional loans on a single-family residence, the maximum loan amounts are $707,250. For 2-unit dwellings, the limit is $905,400; for 3-units, it reaches $1,094,450; and for 4-units, it extends to $1,360,100.
To explore today’s most favorable FHA rates and assess necessary qualifications such as downpayment, income, credit score, reserves, and required documentation, utilize our FHA calculator.
The Lendersa® calculator is designed to help you compare FHA loan rates and terms with other available lending options. Consider Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles data from thousands of lenders, comparing these options against your unique financial profile efficiently and swiftly.
See the Loan Limits Comparison Table for 2026 in Santa-Rosa, within Sonoma, CA. This comparison covers FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification elements such as income, reserves, and credit scores.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $707,250 | $905,400 | $1,094,450 | $1,360,100 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $707,250 | $905,400 | $1,094,450 | $1,360,100 |
| USDA | $763,200 | $763,200 | $763,200 | $763,200 |
| VA | $707,250 | $905,400 | $1,094,450 | $1,360,100 |
| 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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