In 2026, the FHA loan limit for a single-family home in Delano county of Kern, CA, is $472,030. For 2-unit homes, it's $604,400; for 3-units, $730,525; and for 4-units, the limit is $907,900.
The maximum loan for conventional loans on a single-family residence is $726,200. For 2-units, it's $929,850; for 3-units, $1,123,900; and for 4-units, $1,396,800.
Use our FHA calculator to check today's optimal FHA rates, helping determine the needed downpayment, income, credit, reserves, and documents required to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Sourcing from thousands of lenders, Lendersa® quickly matches loan program data with your unique financial profile.
In 2026, the Loan Limits Comparison Table for Delano county, Kern, CA, shows maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Compare qualification needs like income, reserves, and credit using Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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 | $345,100 | $345,100 | $345,100 | $345,100 |
| 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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