The high-balance FHA loan limit for 2026 in Santa Cruz County is $1,249,125.
The “low-balance” FHA loan limit for 2026 in Santa Cruz County is $832,750.
- Both loan limits above are based on a 1-unit property.
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FHA loans between $832,750 and $1,249,125 in Santa Cruz County are considered high-balance FHA loans. FHA high-balance loans tend to have slightly higher interest rates than FHA loans under $832,750 (“low-balance”).
It’s worth asking your mortgage loan officer if you can secure a better rate by keeping your loan balance under $832,750 in Santa Cruz County, California.
Loans above $1,249,125 in Santa Cruz County are considered jumbo loans and would not qualify for FHA financing.
FHA financing is possible on 2-4 unit properties as well. Here are the FHA loan limits for multi-unit properties in Santa Cruz County…
- 2-unit property – $1,599,375
- 3-unit property – $1,933,200
- 4-unit property – $2,402,625
Click Here for Conforming Loan Limits for Santa Cruz County 2026
If you are looking to purchase a home or refinance an existing home, we would love to work with you! We are EXTREMELY competitive on FHA loans.
Most lenders earn 2-3 points (2-3% of your loan amount) or more on FHA loans. We earn 1% of your loan amount (paid by the lender), and we do not charge any loan processing fees. This is substantially less than 99% of the lenders out there, and any lender who can beat us on rate will lack the service we provide.
Along with offering lower FHA rates than competing lenders, we also offer rates with lender credits to apply toward closing costs. Not all lenders offer rates that come with lender credits.
If you are looking for a purchase loan or a refinance in Santa Cruz County, we would love to work with you! We can close a purchase loan in as little as 10 days and refinances in 15 days. You won’t find a lower rate and better service than Community First Mortgage.
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| Date Updated | Time |
|---|---|
| Mar 3, 2026 | 2:00 PM |
| Loan Type | Loan Purpose | Loan Term | Interest Rate | APR | Points |
|---|---|---|---|---|---|
| Conforming | Purchase | 30 year fixed | 5.500% | 5.625% | 1.052 |
| Conforming | Purchase | 30 year fixed | 5.875% | 5.893% | -0.121 |
| Conforming | Purchase | 20 year fixed | 5.375% | 5.497% | 0.691 |
| Conforming | Purchase | 15 year fixed | 4.875% | 5.099% | 1.155 |
| FHA | Purchase | 30 year fixed | 5.375% | 6.120% | 0.075 |
| VA | Purchase | 30 year fixed | 5.375% | 5.608% | 0.086 |
Conforming
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.500% | 5.625% | 1.052 |
| 5.875% | 5.893% | -0.121 |
20 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.375% | 5.497% | 0.691 |
15 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 4.875% | 5.099% | 1.155 |
FHA
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.375% | 5.608% | 0.086 |
VA
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.375% | 6.120% | 0.075 |
