Explore the differences! FHA VS Conventional loan programs in Livingston, Merced County, California

For 2026, the Conventional loan limit in Livingston, located in Merced county, CA, is $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.

Use the Lendersa® Conventional loan calculator to compare today's top rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator allows you to see Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the best program for your financial situation in CA.

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2026 Loan Limits and Down Payment Requirements in Livingston, Merced, CA

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

This comparison applies to the zip codes: 95334

Explore Conventional and FHA Loan Options in Livingston, CA

The aim of Lendersa® is to quickly and easily find you the best Conventional, USDA, or FHA loan. Choose one of these three starting points to connect with lenders and loan programs that match your needs.

See matching results for USDA loan requests with Lendersa


  • Idaho First Bank
  • 475 Deinhard Ln, McCall, ID, 83638
  • Idaho First Bank is a Bank with operations in fifty states. Idaho First Bank offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA, USDA, reverse, construction, credit-challenged borrower, zero down mortgage, physician loans and Good Neighbor Next Door Program mortgages

  • Creekside Mortgage, Inc.
  • 4601 NE 77th Ave, Suite 100, Vancouver, WA, 98662
  • You could search the Pacific NW high and low and never find a company more dedicated to you, the borrower. With more than 80+ years of combined experience in the real estate industry, our professionals work hard for you to ensure a smooth and successful transaction. We are committed to quality customer service - putting the people we serve first.

  • SEI Credit Union
  • 555 N 5th Avenue, Pocatello, ID, 83201
  • At SEI Credit Union, we think managing your finances should be simple. We pride ourselves on knowing your name when you walk through our door. We are a professional credit union with the convenience afforded by hometown values. Contact us today!Credit Union, we think managing your finances should be simple.

  • Connections credit union
  • 1150 North 8th Avenue, Pocatello, ID, 83201
  • Connections Credit Union is open to most persons, along with family members who live and work in Ada, Bannock, Bingham, Bonneville, Canyon, Cassia, Jefferson, Jerome, Lincoln, Minidoka, and Twin Falls counties. Membership also extends to businesses and other legal entities operating in those counties.

  • Advantage Plus Federal Credit Union
  • 2133 E Center St, Pocatello, ID, 83201
  • We are a locally owned and operated credit union serving the communities in the Southeastern Idaho area. Since first opening our doors in 1953, Advantage Plus FCU has always been a credit union with 100% focus on the betterment of our member base. That means that all product, supplemental resources.

  • Nexa Mortgage, LLC
  • 5559 S Sossaman Rd Bldg #1, Mesa, AZ, 85212
  • Nexa Mortgage, LLC: Your Partner in Home Ownership

    **Secure Your Dream Home with Ease**

    Nexa Mortgage, LLC, led by Jason Elliott, offers tailored mortgage solutions from California, ensuring fast, competitive rates. We serve first-time buyers and seasoned investors alike with quick closings and personalized guidance, making home ownership sea

  • USA Private Money, LLC
  • 5332 South Sabrina, Mesa, AZ, 85212
  • USA Private Money is a private lender providing loans across the United States. They provide fix-and-flip loans, hard money bridge loans, refinancing, loans for rental properties, and private commercial loans. They offer loan amounts starting from $45,000 with a maximum LTV of 90%, terms up to 300 months, and rates ranging between 6% and 8%.

  • Riverview Community Bank
  • 900 Washington St, Vancouver, WA, 98660
  • Riverview Bancorp, Inc. is the holding company of Riverview Community Bank, a progressive community-oriented financial institution that emphasizes local, personal service throughout Southwest Washington and the Portland metropolitan area. The Company provides personal and commercial financial solutions through its network of 17 branches.