In 2026, the FHA loan limits for Sparks county of Washoe, NV are $621,000 for a single-family home. For two units, it is $795,000; for three units, it's $960,950; and for four units, it caps at $1,194,250.
Conventional loans have a maximum limit of $726,200 for single-family homes. The limit increases to $929,850 for two-unit properties, $1,123,900 for three units, and tops out at $1,396,800 for those with four units.
Use our FHA calculator to see today’s FHA best rates, and ascertain the necessary downpayment, income, credit score, reserves, and documents needed to qualify.
The Lendersa® calculator facilitates comparison of FHA rates with those of other programs. Consider options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA products.
Lendersa® retrieves comprehensive loan data from numerous lenders, swiftly matching it against your specific financial profile and needs for a tailored analysis.
Our Loan Limits Comparison Table for 2026 in Sparks county of Washoe, NV, allows comparing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgages (HECM), and hard money maximum loan amounts. For an assessment of qualification requirements such as income, reserves, and credit, try using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $621,000 | $795,000 | $960,950 | $1,194,250 |
| 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 | $427,800 | $427,800 | $427,800 | $427,800 |
| 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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