FHA VS Conventional loan programs in 2025 for Winton, Merced County, California

In 2025, Convetional loan limit in Winton, county of Merced, CA is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CA is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Winton, county of Merced, CA

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

The comparison table applies to zip codes: 95388, 95344

Conventional and FHA loan options in Winton, CA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • First State Community Bank
  • 201 East Columbia Street, Farmington, MO, 63640
  • First State Community Bank is a financial leader in the State of Missouri. Founded in 1954, we have demonstrated an unyielding commitment to our clients and partners. From a Junior Savers Account to Commercial Real Estate Loan we work to find the best solution for each customer..
  • Advantage One Credit Union
  • 204 N Jackson Street, Morrison, IL, 61270
  • Advantage One Credit Union has been open since 1998. The credit union has assets totaling $25.38 Million and provides banking services to more than 3,000 members The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
  • Stifel Bank & Trust
  • 501 North Broadway, 10th Floor, Saint Louis, MO, 63102
  • At Stifel Bank, we make banking and lending simple, convenient, and even enjoyable for our individual and business clients. We have adopted a client-centered business model in which each associate is responsible for contributing to our clients’ overall satisfaction; fostering an entrepreneurial culture based on participation and respect.
  • Southern Heritage Bank
  • 5211 Jackson Street, Alexandria, LA, 71303
  • Let Southern Heritage Bank help celebrate one of the most exciting times of your life by choosing us for your mortgage needs! While buying a home is one of the biggest decisions you'll ever make, selecting the right mortgage loan can be just as important. Your lifestyle. Your budget. Your comfort level.
  • Peoples National Bank of Kewanee
  • 207 North Tremont Street, Kewanee, IL, 61443
  • Peoples National Bank of Kewanee is a long-standing institution in Central Illinois. Serving Kewanee for over 90 years, Peoples National Bank of Kewanee also serves the communities of Annawan, Bradford, Dwight, Manlius, Reynolds, Seneca On March 1, 1928, Peoples State Savings Bank opened its doors at the corner of Tremont and Second Streets.
  • Liberty Bank
  • 2403 Homer M Adams Pkwy, Alton, IL, 62002
  • Liberty Bank, headquartered in Alton, Illinois, was founded by area businessmen in 1994. Expanding to Godfrey in 1997 and Bethalto in 2006, it has since grown to include a total of four locations serving Madison County. In 2017, Liberty Bank joined United Community Bank and now includes more than 100 Bank & ATM locations
  • Preferred Mortgage, Inc.
  • 2375 C Homer Adams Pkwy, Alton, IL, 62002
  • At Preferred Mortgage, Inc., offers the best services in mortgage financing at the lowest cost to you. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound choices. As full-service mortgage brokers, we offer a wide range of loans from government (VA, FHA)
  • Marshfield Medical Center Credit Union
  • 302 W Upham Street, Marshfield, WI, 54449
  • Marshfield Medical Center Credit Union was chartered in 1965 under laws of the State of Wisconsin by employees of St. Joseph’s Hospital. Until 1985 the credit union operated from office space in the hospital. That year we relocated to our own facility. Since then we have added numerous services and enjoyed exceptional growth.