In 2026, the FHA loan limits in West-Menlo-Park county of San Mateo, CA, are: $822,375 for a single-family home, $1,053,000 for two-unit properties, $1,272,750 for three units, and $1,581,750 for four-unit buildings.
Maximum amounts for conventional loans are $822,375 for single-family homes, $1,053,000 for duplexes, $1,272,750 for triplex properties, and $1,581,750 for four-unit homes.
Utilize our FHA calculator to access today’s best FHA rates and identify the necessary down payment, income, credit ratings, reserves, and documentation needed to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms alongside other loan programs. Evaluate options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans together with FHA possibilities.
Lendersa® swiftly compiles loan program data from thousands of lenders, aligning it with your financial profile to offer precise and rapid assessments.
The Loan Limits Comparison Table for 2026 in West-Menlo-Park county, San Mateo, CA details maximum loan 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 compare qualification criteria, including income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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