In 2026, the FHA loan limits in Ford-City county within Kern, CA, are set at $356,362 for single-family homes, $456,275 for duplexes, $551,500 for triplexes, and $685,400 for four-unit properties.
For conventional loans, the maximum amounts are $548,250 for a single-family residence, $702,000 for two units, $848,500 for three-unit homes, and $1,054,500 for four units.
Utilize our FHA calculator to view today’s prime FHA rates and determine the down payment, necessary income, credit, reserves, and required documents to qualify.
The Lendersa® calculator allows you to compare and contrast the rates and terms of FHA loans with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® draws on data from thousands of lenders to match your specific financial profile, ensuring rapid and tailored comparisons.
The Loan Limits Comparison Table for 2026 in Ford-City county, part of Kern, CA, provides maximum loan amount comparisons for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly compare qualification needs regarding income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for detailed insights.
| 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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