In 2026, the FHA loan limit in Stanislaus county, found in CA, Empire, stands at $517,500 for single-family homes, $662,500 for 2-units, $800,800 for 3-units, and $995,200 for 4-unit residences.
The conventional loan maximum for a single-family home is $726,200. For a duplex, it's $929,850, for a triplex, $1,123,900, and for a four-plex, $1,396,800.
Utilize our FHA calculator to explore the top FHA rates available today and assess the downpayment, income, credit, reserves, and documents required for approval.
The Lendersa® tool lets you compare FHA rates and terms with those of other loan programs. Examine options like Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans against FHA offers.
Lendersa® synthesizes loan program information from thousands of lenders and quickly aligns this data with your personal financial profile and requirements.
For 2026, the Loan Limits Comparison Table in Stanislaus, CA lets you compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loan limits. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification criteria, including income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $517,500 | $662,500 | $800,800 | $995,200 |
| 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 | $412,000 | $412,000 | $412,000 | $412,000 |
| 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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