In 2026, the FHA loan limits for real estate located within Sunnyvale county in Santa Clara, CA, are as follows: for a single-family home, the limit is $805,000. For structures that consist of two units, the restriction is $1,030,550, for those with three units it increases to $1,245,700, and for properties featuring four units, the maximum amount becomes $1,548,100.
Regarding conventional loans, the upper limit for a single-family house is set at $805,000. For duplexes, the maximum amount available is $1,030,550, for triplexes the limit is $1,245,700, and for properties consisting of four units, the cap extends to $1,548,100.
Take advantage of our FHA calculator to evaluate the finest FHA rates currently accessible and calculate critical financial components such as down payment, necessary income, credit scoring, reserves, and documentation required in order to qualify for your mortgage.
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The Lendersa® calculator is designed to empower you with the capability of juxtaposing FHA rates alongside terms offered by various other loan programs in the market. You can explore and compare traditional conventional loans, jumbo loans, VA, USDA, Non-QM, and hard money loans, all evaluated side by side with FHA opportunities.
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Refer to the Loan Limits Comparison Table for 2026 within Sunnyvale county, Santa Clara, CA. This resource allows you to compare maximum loan amounts across various types including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly analyze qualification criteria such as income levels, necessary reserves, and credit prerequisites, employ the comprehensive features available through 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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