Santa Clara County, California Loan Limits for 2026
How big a loan can your county back?
About these limits
FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.
The FHA loan limit in Santa Clara County is $1,249,125 for a one-unit home in 2026 (a high-cost area above the national floor), and the conforming limit for Fannie Mae and Freddie Mac loans is $1,249,125. Anything larger is a jumbo loan. HUD sets the FHA figure for the SAN JOSE-SUNNYVALE-SANTA CLARA, CA area.
The FHA and conforming limit for a one-unit home in Santa Clara County. A $1,380,000 home needs at least $130,875 down to stay within the FHA limit.
2026 limits by number of units
| Units | FHA limit | Conforming limit |
|---|---|---|
| 1 | $1,249,125 | $1,249,125 |
| 2 | $1,599,375 | $1,599,375 |
| 3 | $1,933,200 | $1,933,200 |
| 4 | $2,402,625 | $2,402,625 |
FHA limits effective January 1, 2026 per HUD; conforming limits for mortgages acquired in calendar year 2026 per FHFA. HUD's median price used to set the FHA limit here: $1,820,000.
What the limit means at the median price
The median Santa Clara County home is worth $1,382,800. With FHA's 3.5% minimum down payment, the largest FHA loan on that home would be $1,334,402, above the county limit, so a buyer of a median-priced home would need a down payment of at least $133,675 to use FHA.
Frequently asked questions
Frequently asked questions
What is the FHA loan limit in Santa Clara County for 2026?
$1,249,125 for a single-family home, $1,599,375 for a duplex, $1,933,200 for a triplex and $2,402,625 for a fourplex, per HUD's county limits file (Mortgagee Letter 2025-23). Santa Clara County is a high-cost area, so its limit sits above the national floor of $541,287.
What is the conforming loan limit in Santa Clara County?
$1,249,125 for a one-unit home in 2026 ($1,599,375, $1,933,200 and $2,402,625 for 2, 3 and 4 units), per the Federal Housing Finance Agency. Loans above it are jumbo loans.
Does the limit cap the home price?
No. It caps the loan amount. A buyer can purchase a home above the limit by making a larger down payment so the mortgage stays within it.
Sources
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
More about loan limits
Loan limits in every California county → Santa Clara County home buyer guide →
General information, not lending advice. Lenders may set their own lower caps.
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