FHA VS Conventional loan programs in 2025 for Atwater, Merced County, California

For 2025, the limit for Conventional loans in Atwater, within the county of Merced, CA, is $726,200, while the FHA limit for single-family homes is set at $472,030.

The Lendersa® Conventional loan calculator lets you compare current top rates among Conventional, FHA, and USDA options. It helps you evaluate the necessary income, credit scores, reserves, and documents needed to qualify. Our advanced mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans in a side-by-side format, guiding you to decide which program in CA best fits your financial situation.

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Loan Limits and Down Payment Requirements in Atwater, County of Merced, CA for 2025

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $341,900 0%
FHA $472,030 3.5%

Note: This comparison table applies to the following zip codes: 95301

Explore Conventional and FHA Loan Options in Atwater, CA

Lendersa® aims to secure the best possible loan deals, whether Conventional, USDA, or FHA, efficiently and hassle-free. You have three starting options that will connect you to suitable lenders and loan programs.

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