For 2026, within Wilton, Sacramento county, CA, the FHA loan limits are established as follows: single-family homes have a cap of $763,600, two-unit properties at $977,550, three-unit dwellings at $1,181,650, and four-unit buildings at $1,468,500.
The highest loan amount for conventional mortgages on a single-family residence is $763,600. For two-unit homes, it is $977,550; for three units, $1,181,650; and for four units, $1,468,500.
Utilize our FHA calculator to evaluate today's best FHA rates and assess required downpayment, income, credit score, reserves, and necessary documentation to qualify.
With the Lendersa® calculator, you can compare FHA rates and terms with those of other loan programs. Examine options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® accesses data from thousands of lenders to quickly provide comparisons tailored to your unique financial profile and needs.
In 2026 for Wilton, Sacramento county, CA, the Loan Limits Comparison Table provides a detailed review of maximum loan amounts across 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 needs such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| USDA | $540,000 | $540,000 | $540,000 | $540,000 |
| VA | $763,600 | $977,550 | $1,181,650 | $1,468,500 |
| 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 |
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