For 2026, the FHA loan limits in California-City county of Kern, CA are designated as $356,362 for a single-family home, $456,275 for 2-unit properties, $551,500 for houses with 3 units, and $685,400 for 4-unit buildings.
For conventional loans, the maximum amounts are $548,250 for a single-family residence, $702,000 for two-unit homes, $848,500 for three-unit edifices, and $1,054,500 for 4-unit properties.
Utilize our FHA calculator to find today’s most competitive FHA rates and determine the needed downpayment, income, credit, reserves, and documents to qualify.
The Lendersa® calculator allows you to compare the rates and terms of FHA loans with other loan programs. Explore and weigh options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® aggregates a wealth of data from thousands of lenders, offering quick comparisons suited to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in California-City county of Kern, CA enables you to explore maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To delve into qualification necessities such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $291,100 | $291,100 | $291,100 | $291,100 |
| 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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