For 2026, the conventional loan limit for a single-family home in Waterford, situated in CA's Stanislaus county, is $726,200. Meanwhile, the FHA limit is $517,500.
Utilize Lendersa®'s Conventional loan calculator to compare today's best rates across Conventional, FHA, and USDA loans. This tool helps you identify the required income, credit, reserves, and documents for qualifying. Our sophisticated mortgage calculator allows you to view Conforming Conventional, USDA, FHA, and VA loans side by side, aiding in selecting the best program in CA for your specific financial situation.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $412,000 | 0% |
| FHA | $517,500 | 3.5% |
Note: The information specified in this table is applicable to zip codes: 95386
Lendersa® aims to provide you with the best possible Conventional, USDA, or FHA loan efficiently and stress-free. Begin with one of three strategies designed to align you with appropriate lenders and loan programs.
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