For the year 2026, the FHA loan limit in Atwater, within Merced, CA, is set at $472,030 for a single-family home. It increases to $604,400 for two-unit dwellings, reaches $730,525 for three-unit residences, and culminates at $907,900 for four-unit properties.
Maximum loan amounts for conventional loans on a single-family home are $726,200. For dual units, the limit is $929,850, three units reach $1,123,900, and four-unit properties have a cap at $1,396,800.
To discover today’s premier FHA rates and to calculate the necessary downpayment, income, credit score, reserves, and documentation required for eligibility, utilize our FHA calculator.
The Lendersa® calculator empowers you to assess FHA rates and terms against a range of other loan programs. Delve into options like Conventional loans, Jumbo packages, VA, USDA, Non-QM, and hard money loans, all alongside FHA.
Lendersa® quickly accesses data from thousands of lenders, comparing it with your unique financial profile and requirements.
For 2026, the Loan Limits Comparison Table in Atwater, located in Merced, CA, allows you to compare the maximum loan sizes for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification requirements such as income, reserves, and credit profile comprehensively.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $341,900 | $341,900 | $341,900 | $341,900 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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