Explore the differences! FHA VS Conventional loan programs 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, 95356, 95355, 95354, 95351, 95350, 95352, 95353, 95397
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:
SelectRealtors-SelectFinancial helps you in assessing your loan eligibility, work out a financial game plan in your buying process, and assist you to get pre-approved to be competitive in the market place Ben Magalang is a Mortage Broker Buying a home can be a very exciting adventure. Before you begin evaluating your housing options.
Pacific Funding Group is Mortgage Company that provides Purchase and Refinance loans in the state of California. With branches in Brentwood and Walnut Creek CA, we have hundreds of Loan Programs to serve you including VA Loans, FHA Mortgage Loans, Conventional Mortgage Loans, Jumbo Mortgage Financing and our own in-house mortgage loan products.
Your Dream House is out there just waiting for you. With the mix of Search Tools you'll find - You have the ability to effortlessly search listings, save searches, and properties for future visits. The House you've always imagined is only one click away! Let Kristine Messa get you Pre-Approved so that you can find your dream home!
SC Realty is a locally-owned brokerage company, focusing on residential financing and sales. We are proud to offer a full-service experience for all your residential real estate needs. At SC Realty, we are a one-stop shop whether you are selling, buying, refinancing, or looking to obtain a new loan.
All California Lending specializes in hard money lending and commercial loans. We have been in the real estate lending business for many years, specializing in hard money lending for most of that time. It is due to this niche specialization that we are able to help so many of our clients.
Since 2000 we have specialized in construction loans, lot loans, and vacant land loans in the Western United States. We do single close construction loans for ground-up construction starting with a vacant lot or a tear down, as well as single close construction loans for rehab,remodel and additions.
Vintage Home Loans is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you.
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.
7031 Koll Center Parkway, Suite 190, Pleasanton, CA, 94566
Excel Realty & Mortgage is a large independent real estate and mortgage company that still feels like a boutique firm. We got started in 2005 and have been running strong ever since. We have funded and closed well over 5 billion in mortgage loans and real estate sales. Over 10,000 transactions! We are a mortgage bank and a mortgage broker
6600 Koll Center Parkway Suite 200, Pleasanton, CA, 94566
Caliber Home Loans, Inc. (NMLS# 15622) is a full-service national mortgage lender and agency direct seller/servicer. Caliber originates loans through various channels and transaction types, including a network of retail branches, wholesale lending, and correspondent lending and a consumer-direct centralized operation
7041 Koll Center Pkwy, Suite 270, Pleasanton, CA, 94566
"To provide alternative loan solutions to investors who have been turned down by other banks/lenders.
We have hundreds of investors both institutional and private persons that we work with over the years. Since every loan scenario is unique, we always strive to provide unique options to maximize the best interest for our clients."
