For the year 2026, the Conventional loan limit in McSwain, situated within Merced county, CA, is $726,200. Meanwhile, the FHA loan limit for a single-family home is $472,030.
Use the Lendersa® Conventional loan calculator to compare today’s best rates among Conventional, FHA, and USDA loans, determining the income, credit score, reserves, and documentation required for qualification. Our advanced mortgage calculator lays out Conforming Conventional loans next to USDA, FHA, and VA options, helping you decide the optimal program in CA for your financial circumstances.
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| Loan Type | Loan Limit | Down payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $341,900 | 0% |
| FHA | $472,030 | 3.5% |
These loan limits apply to zip codes: 95341
The mission of Lendersa® is to facilitate acquiring the ideal Conventional, USDA, or FHA loan efficiently and without stress. You can select from three initial pathways that lead to suitable lenders and loan options.
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