For the year 2026, the FHA loan limits in Thermalito, within Butte county of CA, are structured as follows: $472,030 for a single-family home; $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit properties.
The ceiling for conventional loan amounts on single-family homes is set at $726,200. For homes with two units, the maximum is $929,850, for those with three units $1,123,900, and for four units, it reaches $1,396,800.
To evaluate today's most favorable FHA rates, utilize our FHA calculator to determine necessary qualifications including downpayment, income, credit score, reserves, and the essential documentation needed to qualify.
The Lendersa® calculator facilitates comparison of FHA rates and terms with other available loan programs. Delve into the options and compare FHA with other offerings such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently compiles loan program data from a broad network of lenders, allowing instantaneous comparisons tailored to your distinct financial profile and particular needs.
In 2026, in the Thermalito region, within the county of Butte, CA, refer to the Loan Limits Comparison Table. This tool enables the comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan limits. To explore qualification criteria like income, reserves, and credit, leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $403,600 | $403,600 | $403,600 | $403,600 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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