In 2026, the FHA loan limits in Winchester, within the county of Riverside, CA, are set at $644,000 for a single-family home. For 2-unit structures, it's $824,450, for 3-units $996,550, and for properties with 4 units, $1,238,500.
The highest amount for conventional loans on a single-family residence is $726,200. For 2-units, it's $929,850, for 3-units $1,123,900, and for 4-units $1,396,800.
Leverage our FHA calculator to find today’s prime FHA rates and calculate required downpayment, income, credit, reserves, and documentation for qualification.
The Lendersa® calculator enables comparison of FHA rates and terms with other loan programs. Evaluate FHA alongside Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® collects and matches data from thousands of lenders to your unique financial profile and needs, efficiently.
The Loan Limits Comparison Table for 2026 in Riverside, CA helps compare 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 assess qualifications like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $644,000 | $824,450 | $996,550 | $1,238,500 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $460,000 | $460,000 | $460,000 | $460,000 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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