For 2026, the FHA loan limits in Vandenberg-AFB, within Santa Barbara county, CA, are as follows: $660,100 for a single-family home, $845,050 for properties with 2 units, $1,021,450 for 3-unit residences, and $1,269,450 for those with 4 units.
The maximum for conventional loans on a single-family residence is set at $660,100; for two-unit properties, it’s $845,050; for three units, $1,021,450; and for four-unit homes, $1,269,450.
Use our FHA calculator to determine today’s best FHA rates and the necessary downpayment, income, credit score, reserves, and documents required to qualify.
With the Lendersa® calculator, you can compare FHA rates and terms with those of various other loan programs. Consider FHA alongside Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® collects extensive loan program data from thousands of lenders and rapidly aligns it with your unique financial profile and needs.
For 2026, the Loan Limits Comparison Table in Santa Barbara, CA, offers a comparison of maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to examine qualification criteria such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| USDA | $528,000 | $528,000 | $528,000 | $528,000 |
| VA | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| 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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