FHA VS Conventional loan in Modesto, Stanislaus County, California
In 2026, the conventional loan limit for a single-family home in Modesto, located in Stanislaus county, CA, is $726,200. Meanwhile, the FHA loan limit amounts to $517,500.
By using Lendersa® Conventional loan calculator, you can effectively compare today's Conventional, FHA, and USDA rates. Our advanced mortgage calculator helps determine the necessary income, credit requirements, reserves, and documents needed to qualify. It assists in a side-by-side evaluation of Conforming, USDA, FHA, and VA loans, enabling you to choose the best program suited to your unique financial needs in CA.
2026 Loan Limits and Down Payment Requirements in Modesto, Stanislaus, CA
Loan Type
Loan Limit
Down payment
Conventional Conforming
$726,200
3%
USDA
$412,000
0%
FHA
$517,500
3.5%
This information is relevant for zip codes: 95358
Discover Conventional and FHA Loan Options in Modesto, CA
Lendersa® aims to swiftly connect you with the best possible options in Conventional, USDA, or FHA loans. Begin with one of three starting options that help match you with suitable lenders and loan programs:
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.
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 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.
1920 Standiford Avenue, Suite 2, Modesto, CA, 95350
Lends in California
Taylor Mortgage Company is a locally owned mortgage brokerage offering home loans at the current lowest rates and fees available on the market. As a mortgage broker, as versus a banker, Taylor Mortgage can offer financing plans and programs at rates, fees, and terms many other companies can't even dream of.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
1156 Scenic Drive, Suite 200 and 110, Modesto, CA, 95350
Lends in California
Scenic Oaks Funding was founded in 1992 in order to provide members of our community with a simpler way to buy a home. Our company continued to evolve and in 2010, we made the transformation from mortgage broker to mortgage banker for the same reason: to make home buying easier, more efficient, and more accessible.
We are the leading home loan lender in the Central Valley since 1987. We’ve worked hard to build a strong reputation as an out-standing mortgage firm serving our clients needs. You're on your way to finding the best loan at the lowest rate to finance your new home or refinance your existing mortgage.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
SJ Morgan Private Lending Exchange is a company that matches borrowers who are seeking funds to purchase or refinance commercial or residential properties with private investors who are looking for solid real estate investment returns. Qualified investments are presented to the investor exchange.
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.
