For the year 2026, the FHA loan limits in Simi-Valley within Ventura, CA, are set at $739,450 for single-family residences, $946,650 for 2-unit properties, $1,144,250 for 3-unit homes, and $1,422,050 for 4-unit buildings.
Meanwhile, conventional loan limits permit a maximum of $739,450 for single-family houses. For 2-unit homes, it is $946,650, for 3-unit homes $1,144,250, and for 4-unit properties $1,422,050.
To discover the most competitive FHA rates available today, use our convenient FHA calculator. This tool helps you determine crucial aspects like down payment, income, credit score, reserves, and documentation needed for qualification.
The Lendersa® calculator makes it simple to contrast FHA rates and conditions with those from other loan programs. Evaluate the advantages of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
By sourcing data from numerous lenders nationwide, Lendersa® compares and aligns loan program details with your unique financial profile and personal requirements in mere seconds.
Refer to the Loan Limits Comparison Table for 2026 in Simi-Valley county of Ventura, CA to assess loan limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To compare eligibility parameters such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| USDA | $591,500 | $591,500 | $591,500 | $591,500 |
| VA | $739,450 | $946,650 | $1,144,250 | $1,422,050 |
| 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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