During 2026, the FHA loan ceiling in Shingle-Springs, county of El Dorado, CA is set at $598,000 for single-family homes, $765,550 for two-unit residences, $925,350 for three-unit properties, and $1,150,000 for those with four units.
The cap for conventional loans on a single-family house is $598,000, for two-units, $765,550, for three-units, $925,350, and for four-units, $1,150,000.
Make use of our FHA calculator to check today's leading FHA rates and calculate the necessary downpayment, income, credit score, reserves, and documents needed for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms alongside other loan programs' rates and terms. Delve into and contrast Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans with FHA loans.
Lendersa® pulls loan information from thousands of lenders to swiftly match against your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in El Dorado, CA provides data on maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. Assess qualification requirements like income, reserves, and credit with Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $598,000 | $765,550 | $925,350 | $1,150,000 |
| USDA | $478,400 | $478,400 | $478,400 | $478,400 |
| VA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| 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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