In the year 2026, the FHA loan ceiling in West-Sacramento county, which is part of Yolo, CA, is established at $598,000 for a single-family property. For homes with two units, the limit is $765,550, increasing to $925,350 for properties with three units, and for those with four units, the cap reaches $1,150,000.
When considering conventional loans, the maximum amount for a single-family home is $598,000. For two-unit dwellings, the upper limit is $765,550, with three-unit residences having a cap of $925,350, and four-unit homes maxing out at $1,150,000.
Utilize our FHA calculator to uncover today’s most competitive FHA rates. It will also assist you in calculating the necessary downpayment, understanding income and credit requirements, and determining the reserves and documentation needed for eligibility.
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Lendersa® calculator offers the advantage of comparing FHA rates and terms alongside those of other loan programs. Explore and contrast Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans with FHA options favorably.
By collecting loan program details from thousands of lenders, Lendersa® quickly aligns that information with your unique financial circumstances and requirements in mere seconds.
Our comprehensive Loan Limits Comparison Table for 2026 in West-Sacramento within Yolo, CA provides insights into maximum loan amounts across various categories including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans.
To effectively contrast different loan qualification criteria such as income, credit history, and reserve requirements, try the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $598,000 | $765,550 | $925,350 | $1,150,000 |
| USDA | $478,400 | $478,400 | $478,400 | $478,400 |
| VA | $598,000 | $765,550 | $925,350 | $1,150,000 |
| 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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