2026 loan limits
Sunnyvale, CA loan limits: 2026 conforming and FHA context
How 2026 conforming and FHA loan-limit figures organize conventional, jumbo, and FHA questions without determining eligibility.
Source: Federal Housing Finance Agency + U.S. Department of Housing and Urban Development
Last updated . Article facts reviewed through this date. Time-sensitive figures show their own as-of dates.
Start with the dated local finding: Sunnyvale, CA is connected to Santa Clara County for this 2026 source comparison. The published one-unit conforming limit is $1,249,125, while the published one-unit FHA limit is $1,249,125. Those figures organize different program categories; $1,249,125 is not a conventional loan offer, and $1,249,125 is not an FHA eligibility finding. For Sunnyvale, CA, starting with Santa Clara County keeps the limits attached to the county or county-equivalent area used in the official files. Borrowers in Sunnyvale, CA still need to confirm the selected property's location and legal unit count, because the relevant Santa Clara County row follows the property in place of the city label or mailing address alone. Around Sunnyvale, CA, mailing cities and ZIP codes can cross county boundaries, so the official property jurisdiction should be verified instead of inferred from a familiar place name. Keep Santa Clara County as Sunnyvale, CA's confirmed county row before comparing the $1,249,125 and $1,249,125 program boundaries.
For borrowers in Sunnyvale, CA, Santa Clara County's conforming limit rises from $1,249,125 for one unit to $2,402,625 for four units, while the FHA figures move from $1,249,125 to $2,402,625. For the decision at hand, the higher $2,402,625 and $2,402,625 amounts apply to the published four-unit category; they do not apply to a one-unit home merely because a borrower wants a larger loan.