In 2026, the FHA loan limit for Bret-Harte county in Stanislaus, CA is established at $396,750 for single-family homes. Duplex units have a maximum limit of $507,900, while triplex properties can secure loans up to $613,950, and for properties with four units, the limit tops out at $763,000.
As for conventional loans, the ceiling for a single-family residence is $548,250. For two-unit homes, it reaches $702,000, three-unit properties are capped at $848,500, whereas four-unit dwellings allow for a maximum loan of $1,054,500.
Our FHA calculator is a key tool that lets you see the best FHA rates available today. By utilizing it, you can determine the necessary down payment, review income requirements, assess credit qualifications, check for reserve requirements, and list the documents needed for successful qualification.
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With the Lendersa® calculator, you are empowered to thoroughly compare FHA rates and terms alongside those of other diverse loan programs. Delve into options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, with FHA benchmarks.
Lendersa® efficiently collects data from thousands of different lenders, comparing this information swiftly to align with your distinctive financial profile and tailored needs, offering quick, insightful analysis.
The Loan Limits Comparison Table for 2026, applicable to Bret-Harte county, part of Stanislaus, CA, serves as an essential resource to evaluate the upper loan amounts across various loans like FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), along with hard money loans. For an in-depth comparison of specific qualification requirements such as income, reserve levels, and credit scores, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™), you'll gain a thorough understanding of the necessary criteria and ensure the best pathway to financial success in your housing needs.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $396,750 | $507,900 | $613,950 | $763,000 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $354,100 | $354,100 | $354,100 | $354,100 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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