FHA VS Conventional loan programs in 2026 for Empire, Stanislaus County, California

In 2026, the conventional loan limit in Empire, situated in Stanislaus county, CA, is $726,200. For a single-family home, the FHA limit is $517,500.

Employ the Lendersa® Conventional loan calculator to assess and compare the best current rates among Conventional, FHA, and USDA loans. This tool aids in determining required income, credit, reserves, and documents for qualification. Our comprehensive mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, helping you identify the ideal program in CA for your financial plan.

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2026 Loan Limits and Downpayment Requirements in Empire, Stanislaus, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $412,000 0%
FHA $517,500 3.5%

This table applies to the following zip codes: 95319

Conventional and FHA Loan Options in Empire, CA

Lendersa® is dedicated to securing the best possible Conventional, USDA, or FHA loan quickly and conveniently. Choose one of three starting points to connect with matching lenders and select loan programs.

Lendersa USDA loan request and matching results


  • Asset View Capital
  • 45 Dan Road, Canton, MA, 02021
  • Asset View Capital is your preferred hard money lender for residential fix and flip investments in Massachusetts and beyond.

    As a leading commercial real estate finance firm, we present diverse loan origination options from commercial and residential rental property, residential fix and flip, ground up construction in Massachusetts and other U.S

  • Flatley Financial Services
  • 45 Dan Road, Suite 320, Canton, MA, 02021
  • Flatley Financial Services finances the acquisition and construction of real estate projects such as fix-and-flips or new builds. Our loans are asset-backed, and we underwrite based on the prospective property and the expected value of the property after work is completed. Our borrowers are contractors, investors, and developers.

  • Bank of Canton
  • 490 Turnpike Street, Canton, MA, 02021
  • Bank of Canton is a Massachusetts-chartered mutual savings bank that offers its consumer, business and government banking customers access to a full array of deposit, loan, investment and convenience service options. All deposits at Bank of Canton are insured in full with at least $250, 000 insured by the Federal Deposit Insurance Corporation.

  • Edward Voccola & Co. LLC
  • 75, Arlington Street, Suite 500 Boston, MA 02116, Boston, MA, 02116
  • Edward Voccola & Co. LLC – Commercial Real Estate Financing
    Commercial & Project Finance, Joint Venture Lending, Construction, Hotels, 100% Bond & Equity Financing, US & Worldwide

    We offer the following kinds of loans;
    * Personal Loans (Unsecured Loan), * Business Loans (Unsecured Loan), * Commercial Real Estate Loans, * Construction Loans, *

  • UC Funds
  • 745 Boylston Street, Boston, MA, 02116
  • UC Funds is a national balance sheet provider of both debt and equity capital solutions that has provided over $3 billion dollars of capital solutions since 2010. UC Funds provides quick, reliable and customized financial solutions throughout the entire capital stack, including joint venture equity.

  • Northeast Bank
  • 200 Berkeley Street, 17th Floor, Boston, MA, 02116
  • Northeast Bank (NASDAQ: NBN) is a full-service bank headquartered in Portland, Maine. We are both an experienced, balance sheet lender offering speed, certainty of execution and creativity to structure loan originations and acquisitions nationally, and a full-service bank serving customers in Western, Central, and Southern Maine

  • Edward Voccola & Co., LLC
  • 75 Arlington Street, Suite 500, Boston, MA, 02116
  • Edward Voccola & Co. LLC is a Private Equity & Joint Venture financial company based in New York City and have offices throughout the U.S & Internationally, We have a dedicated team of financial experts in commercial real estate finance and project funding delivering creative financing solutions consistently to worldwide clients.

  • Transcend Mortgage Inc
  • 40 Eastern Avenue, Suite 219, Malden, MA, 02148
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • The Provident Bank
  • 5 Market Street, Amesbury, MA, 01913
  • We were founded in 1828 and were a “traditional” bank for a long time. But in 2020, we reshaped our nearly 200-year-old DNA to become an innovative, adaptive and technology-first, commercial bank supporting businesses across specialty markets like Digital Assets, Banking as a Service and Renewable Energy.

  • National Mortgage Advice
  • 110 Haverhill Road, Suite 312, Building C, Amesbury, MA, 01913
  • At National Mortgage Advice, we finance what national banks can't or wont! We Offer: Real Estate Counseling, Acquisition, Development and Financing. We finance in 43 States. Jeffrey J. Moore President at National Mortgage Advice, Inc. National Mortgage Advice, LLC is now their lender of choice.

  • Everett Co-operative Bank
  • 419 Broadway, Everett, MA, 02149
  • Everett Banks’ loyalty to our customers and friends is the foundation of our business. We're proud to be a part of this local heritage and have enjoyed working to help our communities grow and prosper. Our goal is to form long-lasting relationships by providing customers with better, more convenient products and services.