FHA VS Conventional loan in Gustine, Merced County, California

In 2026, the Conventional loan limit in Gustine, county of Merced, CA is $726,200, whereas the FHA limit for a single-family dwelling is $472,030.

Leverage the Lendersa® Conventional loan calculator to evaluate and compare today's top rates for Conventional, FHA, and USDA loans. It will help determine necessary income, credit, and reserves, as well as required documents for qualification. This mortgage calculator offers a side-by-side view of Conforming Conventional, USDA, FHA, and VA loans, aiding your decision on the best program for your financial needs in CA.

Explore loan offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Gustine, County of Merced, CA

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 zip codes: 95322

Available Options for Conventional and FHA Loans in Gustine, CA

The goal of Lendersa® is to swiftly provide you with the optimal Conventional, USDA, or FHA loan without any hassle. Choose from three paths to connect with suitable lenders and programs.

Lendersa USDA loan request and matching results


Gustine Lenders

  • JC Mortgage
  • 4350 West Avenue, Suite 2, Atwater, CA, 95301
  • Lends in California
  • 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.

  • American Pacific Mortgage
  • 222 South Thor Street, Suite 3 & 10, Turlock, CA, 95380
  • Lends in California
  • Whether you are buying your first home, second home, vacation home or an investment property, we can help! Turn the home of your dreams into reality.American Pacific Mortgage does not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time.

  • Golden Eagle Mortgage Group
  • 260 Tres Pinos Rd, Suite B-2, Hollister, CA, 95023
  • Lends in California
  • Golden Eagle Mortgage Group is the trusted, local APM division that caters to the specific needs of your community. Like APM, Golden Eagle Mortgage Group’s mission is to create experiences that matter while serving your home financing needs. Whether you are buying your first home, a new investment property or building your dream home.

  • Good Guys Financial Inc
  • 430 Talbot Drive, Hollister, CA, 95023
  • Lends in California
  • A California independent agency and broker, Good Guys Financial’s team is built on honesty, integrity, hard work and professionalism. We value our relationships with employees, clients & familiar lenders. We approach business with solutions to your coverage needs. Our agency has 8+ years of mortgage & real estate business experience

  • Lineage Realty Group
  • 1354 San Benito St, Hollister, CA, 95023
  • Lends in California
  • Richard Vasquez brings over 28 years of experience in real estate, excellent customer service and a commitment to work hard, listen and follow through. He provides quality service to build relationships with clients and more importantly, maintain those relationships by communicating effectively.

  • DRES Funding
  • 6713 Hughson Ave, Hughson, CA, 95326
  • Lends in California
  • Our mission is to never forget that we are serving a customer that is a real person and we pledge not to treat you cold because of todays technologies like email or text messages and other forms of communication.We strive to provide you with honesty, integrity & the competence that you expect when making a decision on the best loan.

  • Lending For Living
  • 1020 15th Street, Suite 10, Modesto, CA, 95354
  • Lends in California
  • Lending for Living is locally owned and operated offering extraordinary loan services for individuals seeking to fulfil their dream of home ownership, refinance or create stability. Years of experience and a knack for the challenging has earned us the reputation of being "VA Specialists" and "Mountain Property Specialists".

  • NorCal Mortgage
  • 1127 13TH ST, Suite A, Modesto, CA, 95354
  • Lends in California
  • This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment.

  • Upstar Home Mortgage Inc.
  • 2005 Evergreen Ave., Modesto, CA, 95350
  • Lends in California
  • Upstar Home Mortgage Inc. is a trusted lender offering competitive home loans and refinancing solutions. With a customer-first approach, they provide personalized mortgage options, expert guidance, and a seamless loan process. Upstar helps clients achieve homeownership with flexible terms and great rates.

  • Alameda Mortgage Corporation
  • 1101 Sylvan Avenue, Suite C-102, Modesto, CA, 95350
  • Lends in California
  • "At AMC, we believe how you get your mortgage matters. In 1968, fed up with the mechanization and lack of character in the mortgage industry, we decided to embark on something new.

    We moved an industry typically reserved for big banks to a small business venue and it turns out we were on to something. Over the years we have grown"