For 2026, the FHA loan limit in Saratoga, Santa Clara, CA, is designated at $805,000 for a single-family home. It extends to $1,030,550 for two units, $1,245,700 for three-unit properties, and reaches $1,548,100 for four-unit homes.
Conventional loans have a maximum limit set at $805,000 for a single-family residence, rising to $1,030,550 for two units, $1,245,700 for three-unit structures, and peaking at $1,548,100 for those with four units.
Our FHA calculator allows you to verify the leading FHA rates available today and outlines the required downpayment, income, credit score, reserves, and necessary documents to determine eligibility.
Utilize the Lendersa® calculator to compare FHA rates and terms with those across other loan programs. Explore options such as Conventional loans, Jumbo, VA, USDA, Non-QM, alongside hard money loans, compared with FHA.
Lendersa® harnesses data from a multitude of lenders, rapidly aligning it with your personal financial situation and needs.
For 2026, refer to the Loan Limits Comparison Table for Saratoga, in Santa Clara, CA, to examine the maximum loan amounts available for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending. To investigate qualification criteria such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| USDA | $626,500 | $626,500 | $626,500 | $626,500 |
| VA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| 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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