In 2026, the FHA loan limits in Saranap, located in Contra Costa county, CA, are defined as follows: $1,089,300 for a single-family home, $1,394,775 for two-unit buildings, $1,685,850 for structures with three units, and $2,095,200 for four units.
The upper limit for conventional loans on a single-family home is $1,089,300. For two units, it's $1,394,775, for three-unit dwellings, $1,685,850, and for four-unit homes, the maximum is $2,095,200.
Utilize our FHA calculator to see today's top FHA rates and calculate the necessary downpayment, income, credit status, reserves, and documents required for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Delve into options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans as alternatives to FHA.
Lendersa® rapidly gathers loan program data from countless lenders, providing swift comparisons tailored to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Saranap county, Contra Costa, CA, facilitates a detailed review of maximum loan amounts across various options, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For thorough qualification evaluations, covering income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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