For the year 2026, in the county of Napa, within St.-Helena, CA, the FHA loan threshold is set at $816,500 for single-family residences. The limit rises to $1,045,250 for properties with two units, $1,263,500 for three-unit houses, and reaches $1,570,200 for buildings with four units.
In terms of conventional loans, the borrowing limit for a single-family home is pegged at $816,500. This increases to $1,045,250 for duplexes, $1,263,500 for triplexes, and culminates at $1,570,200 for four-unit accommodations.
Make use of our comprehensive FHA calculator to discover today's most competitive FHA rates and evaluate what downpayment, income, credit score, reserves, and documentation are required to meet qualification criteria.
The Lendersa® calculator is an excellent tool for comparing FHA loan rates and terms against those of various other loan programs. Evaluate and compare FHA with Conventional loan plans, Jumbo loans, VA loans, USDA loans, Non-QM loans, and hard money loans.
Lendersa® quickly aggregates data on loan programs from an extensive network of lenders, providing a rapid comparison with your bespoke financial profile and individual needs.
In the county of Napa, St.-Helena, CA for the year 2026, consult the Loan Limits Comparison Table. It allows you to compare FHA limits with those of Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To examine qualification requisites such as income, reserves, and credit details, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $816,500 | $1,045,250 | $1,263,500 | $1,570,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $816,500 | $1,045,250 | $1,263,500 | $1,570,200 |
| USDA | $706,900 | $706,900 | $706,900 | $706,900 |
| VA | $816,500 | $1,045,250 | $1,263,500 | $1,570,200 |
| 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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