In 2026, FHA loan limits for Seacliff, within Santa Cruz county, CA, are $805,000 for a single-family home, $1,030,550 for two-unit properties, $1,245,700 for three-unit homes, and $1,548,100 for four units.
The maximum amount for conventional loans on a single-family residence is $805,000. For two units, it is $1,030,550, for three units it's $1,245,700, and for four units, it's $1,548,100.
Use our FHA calculator to access today’s FHA top rates and assess the necessary downpayment, income, credit, reserves, and documents necessary to qualify.
The Lendersa® calculator helps you compare FHA rates and terms with those of other loan programs. Consider FHA alongside options such as Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® compiles loan data from thousands of lenders, swiftly evaluating it against your unique financial profile and needs.
For 2026, check the Loan Limits Comparison Table in Santa Cruz, CA, comparing maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification requirements such as income, reserves, and credit.
| 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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