For 2026, the FHA loan limits set in Dos-Palos county of Merced, CA are as follows: - $356,362 for a single-family home, - $456,275 for 2-unit properties, - $551,500 for 3-unit homes, - $685,400 for 4-unit residences.
When it comes to conventional loans, the maximum amounts allowed are: - $548,250 for a single-family residence, - $702,000 for 2-units, - $848,500 for residences with 3 units, - $1,054,500 for those with 4 units.
Utilize our FHA calculator to find today’s most competitive FHA rates and determine what is needed in terms of downpayment, income, credit standing, reserves, and documents to qualify.
With the Lendersa® calculator, you can effectively compare FHA rates and terms against those of other loan programs. Consideration should include Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® consolidates comprehensive loan program data from a vast network of lenders, offering swift comparisons that align with your personal financial profile and specific needs.
In the 2026 Loan Limits Comparison Table for Dos-Palos county of Merced, CA, you can review maximum loan amounts across categories including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To scrutinize qualification requirements like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to ensure a thorough preparation.
| 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 | $341,900 | $341,900 | $341,900 | $341,900 |
| 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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