For 2026, FHA loan limits in Silver-Lakes county, within San Bernardino, CA, are as follows: for a single-family home, the cap is $477,250, for two-unit properties $610,950, for three units $738,500, and for four units $917,800.
The maximum permissible loan amount for conventional loans on a single-family home is $548,250. For duplexes, this limit is $702,000, for triplexes $848,500, and for four-family homes, it is $1,054,500.
Try our FHA calculator to see today's optimal FHA rates and find out the required downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator allows comparison of FHA rates and terms with other loan programs. Explore a variety of options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, along with FHA.
Lendersa® collects extensive loan data from thousands of lenders, enabling swift comparisons tailored to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Silver-Lakes county, San Bernardino, CA, offers a comprehensive breakdown to compare maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For an in-depth analysis of qualification requirements like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $477,250 | $610,950 | $738,500 | $917,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $381,800 | $381,800 | $381,800 | $381,800 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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