As of 2026, the FHA loan limits for Delhi county within Merced, CA are: $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for three-unit dwellings, and $907,900 for four-unit buildings.
The maximum amount available for conventional loans is $726,200 for single-family residences, $929,850 for two units, $1,123,900 for three-unit homes, and $1,396,800 for four-unit properties.
Our FHA calculator can assist you in evaluating today’s best FHA rates and determining needed downpayment, income, credit score, reserves, and documentation to qualify.
With Lendersa®'s calculator, compare FHA rates and terms with other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers data from thousands of lenders and matches it with your financial profile in seconds.
Check our comparison table of loan limits for 2026 in Delhi county of Merced, CA comparing FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For more details on income, reserves, and credit, use Lendersa®'s 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 | $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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