For 2026, the FHA loan limits in Thousand-Oaks, within the county of Ventura, CA, are allocated as follows: $739,450 for a single-family home, $946,650 for properties with 2-units, $1,144,250 for 3-units, and $1,422,050 for residences with 4-units.
Regarding conventional loans, the maximum borrowings are $739,450 for a single-family home, moving to $946,650 for 2-units, $1,144,250 for 3-units, and culminating at $1,422,050 for 4-units.
Utilize our FHA calculator to access today's top FHA rates and determine the necessary qualifications such as downpayment, income, credit score, reserves, and requisite documentation to qualify.
The Lendersa® calculator allows for a thorough comparison of FHA rates and terms alongside other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This comprehensive exploration ensures well-rounded decision-making.
Lendersa® utilizes data from thousands of lenders to quickly evaluate and align it with your unique financial profile and needs.
Find the Loan Limits Comparison Table for 2026 in Thousand-Oaks, Ventura, CA, offering a detailed look at maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. Assess qualification requirements like income, reserves, and credit using 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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