In 2026, the FHA loan limit for Scotts-Valley county of Santa Cruz, CA is $822,375 for a single-family home, $1,053,000 for 2-unit properties, $1,272,750 for 3-units, and $1,581,750 for 4-units.
Conventional loan maximums are set at $822,375 for a single-family, $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for 4-units.
Utilize our FHA calculator to discover today’s best FHA rates and learn about the downpayment, income, credit, reserves, and documentation needed for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms against all other loan program rates and terms, such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles data from thousands of lenders and compares it to your specific financial profile swiftly.
See our Loan Limits Comparison Table for 2026 in Scotts-Valley county of Santa Cruz, CA, which includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess requirements like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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