In 2026, FHA loan limits in Soquel county of Santa Cruz, CA are $805,000 for single-family homes, $1,030,550 for 2-units, $1,245,700 for 3-units, and $1,548,100 for 4-units.
For conventional loans, the maximum is $805,000 for a single-family residence, $1,030,550 for 2-units, $1,245,700 for 3-units, and $1,548,100 for 4-units.
Use our FHA calculator to see today’s top FHA rates and check downpayments, income, credit, reserves, and needed documents for qualification.
With the Lendersa® calculator, compare FHA rates and terms with those from other programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers data from thousands of lenders, offering quick comparisons matched to your financial profile.
Our Loan Limits Comparison Table for 2026 in Soquel county, Santa Cruz, CA, showcases FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualifications like income and reserves, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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