For 2026, the FHA loan limits in Thousand-Palms, part of Riverside county, CA, are defined as follows: $477,250 is allowed for a single-family home, $610,950 for duplexes, $738,500 for triplexes, and $917,800 for four-unit dwellings.
Regarding conventional loans, the highest loan amount for a single-family residence is $548,250. For two-unit homes, it is $702,000, for three units $848,500, and for four-unit properties, the cap is $1,054,500.
Try our FHA calculator to find today's top FHA rates and calculate necessary downpayment, required income, credit score, reserves, and documents to qualify.
With the Lendersa® calculator, you can evaluate FHA rates and terms alongside those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers extensive loan program data from thousands of lenders, allowing personal comparison against your unique financial profile swiftly.
In 2026, the Loan Limits Comparison Table for Thousand-Palms, in Riverside, CA compares maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. Examine qualification criteria including income, reserves, and credit with the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $477,250 | $610,950 | $738,500 | $917,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $381,800 | $381,800 | $381,800 | $381,800 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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