For Santa-Rosa-Valley County in CA, the FHA loan cap for 2026 stands at $739,450 for a single-family home. For properties with 2-units, the limit is $946,650, whereas it's $1,144,250 for those with 3-units, and $1,422,050 for 4-units.
Regarding conventional loans, a single-family home can have a maximum loan of $739,450. For 2-units, it is $946,650. Properties with 3-units have a limit of $1,144,250, and for 4-units, the cap is $1,422,050.
Utilize our FHA calculator to check the best FHA rates available currently and determine the necessary down payment, income, credit score, reserve amounts, and required documentation for qualification.
The Lendersa® calculator allows comparison between FHA terms and those of other loan types. Evaluate and contrast different options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money with FHA offerings.
Lendersa® aggregates loan data from a wide array of lenders, quickly evaluating it against your specific financial needs and profile.
Within Santa-Rosa-Valley County, CA, examine loan limits for 2026, whether FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), or hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) for assessing qualifications involving income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| USDA | $591,500 | $591,500 | $591,500 | $591,500 |
| VA | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| 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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