For 2026, the FHA loan limits in Watsonville county of Santa Cruz, CA, are set at $805,000 for a single-family home, $1,030,550 for two units, $1,245,700 for three units, and $1,548,100 for four units.
For conventional loans, the upper limits are $805,000 for a single-family residence, $1,030,550 for 2-units, $1,245,700 for 3-units, and $1,548,100 for 4-units.
Our FHA calculator helps you explore today’s best FHA rates and calculates essential factors like downpayment, income requirements, credit, reserves, and documents needed to qualify.
With the Lendersa® calculator, compare FHA rates and terms with other loan programs. Assess and explore options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA choices.
Lendersa® uses data from thousands of lenders, quickly matching it with your unique financial profile and needs.
Check the Loan Limits Comparison Table for 2026 in Watsonville, Santa Cruz, CA. It shows FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To compare qualification criteria such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| USDA | $626,500 | $626,500 | $626,500 | $626,500 |
| VA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| 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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