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

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

Use the Lendersa® calculator to compare today’s best rates for Conventional, FHA, and USDA. Determine the required income, credit, reserves, and documents needed to qualify. Our advanced tool shows Conforming Conventional, USDA, FHA, and VA loans side by side, guiding you to the best program in CA for your financial situation.

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2026 loan limits in Merced, Merced County, CA

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

This table applies to zip codes: 95348

Loan options in Merced, CA

Lendersa® aims to quickly secure the best Conventional, USDA, or FHA loans without hassle. Choose one of three options to match with lenders and find loan programs.

Lendersa loan matching results


Merced 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.

  • Agri Capital Inc.
  • 23400 Road 24, Chowchilla, CA, 93610
  • Lends in California
  • 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.

  • Mocse Credit Union
  • 3600 Coffee Rd, Modesto, CA, 95355
  • Lends in California
  • When Mocse Federal Credit Union was granted its charter in February of 1959, Mocse’s membership consisted of seven members and an asset size of $35.00. These seven founding members recognized that employees of Modesto City Schools were in need of financial services provided by a credit union. They were correct in this assumption.

  • 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"

  • Carrollton Mortgage Co.
  • 3400 Tully Road, Suite A, Modesto, CA, 95350
  • Lends in California
  • Carrollton Mortgage Co are completely committed to helping you find the right mortgage to fit your needs. Our team of mortgage professionals will provide you with the information you need to make an informed decision. We put people first. You can enjoy a free personalized consultation by visiting or calling our offices.