In 2026, the FHA loan limit in Valley-Springs, within Calaveras county, CA, is $373,750 for a single-family home. For 2-unit residences, the limit is $478,450, for 3-unit homes it's $578,350, and for 4-unit properties $718,750.
The maximum amount for conventional loans on a single-family residence is $548,250. For 2-units, it's $702,000, for 3-units $848,500, and for 4-units $1,054,500.
Use our FHA calculator to explore today's leading FHA rates and calculate the necessary downpayment, income, credit, reserves, and documents to qualify.
With the Lendersa® calculator, compare FHA rates and terms with those from various other loan programs. Consider FHA alongside Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® gathers comprehensive data from thousands of lenders, quickly aligning it with your financial profile and needs.
For 2026, consult the Loan Limits Comparison Table in Calaveras, CA to review the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To assess qualifications such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $373,750 | $478,450 | $578,350 | $718,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $392,900 | $392,900 | $392,900 | $392,900 |
| 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 |
Valley-Springs FHA Lenders |
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